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Overview — Roundstone Livery Program Roundstone’s Livery program is an admitted commercial aut... admitted paper in my state?Yes. The Livery program is offered on admitted car...

...mid-size fleets Public auto and livery operations (where available) Auto d...

... to help agents and brokers place livery and chauffeur-driven transportation a...

... mix-in-transit vehicles Public livery such as taxis and limousines Buses ...fill), and contractor fleets. Public livery, buses, tow trucks, and delivery fleets are also eligible. Are ther...

Overview of the Program From Roundstone Roundstone’s American Business Captive is a turnkey heterogeneous group captive designed for middle-market companies. The program offers admitted coverage for Workers’ Compensation (WC), Automobile Liability (AL), Property, and General Liability (GL) with a focus on Manufacturing, Distribution, Sales & Service, and Food & Beverage industries. This captive pathway helps insureds reduce insurance expense volatility, retain underwriting profit and investment returns, and gain greater control over claims, reinsurance placement, and proactive risk management. Program Highlights Complete turnkey administration — underwriting, policy issuance, and claims management tailored for group captive participants. Admitted paper available across the listed states with admitted carriers. Multi-line solution: WC, AL, Property and GL in a single captive structure to align incentives and improve loss control. Designed for heterogeneous groups—companies from several related industries pooled for scale and diversification. Ideal Accounts and Appetite This program is intended for agents placing middle-market risks that are seeking an alternative to the traditional, volatile commercial market. Typical fits include: Manufacturing operations with controlled premises exposures and documented safety programs. Distribution and logistics firms with predictable auto exposures and fleet management practices. Sales & Service businesses that maintain routine GL exposures and active loss prevention efforts. Food & Beverage producers and processors with sanitation, HACCP controls, and stable production processes. Accounts with demonstrated commitment to loss control, safety programs, and claims collaboration are preferred. The program is less suitable for highly volatile, catastrophe-exposed accounts or risks with chronic, large unresolved litigation or severe prior losses that would undermine group stability. Coverage Highlights and Advantages Aligned incentives — participants share in underwriting results and investment income instead of relying solely on market rate movements. Predictability — lower long-term rate volatility compared with renewing in unpredictable commercial markets. Control — members have more influence over reinsurance strategy, claim handling, and proactive risk management services. Integrated multi-line placement to address cross-line loss drivers and develop consolidated risk financing strategies. Underwriting Notes and Participation Underwriting evaluates loss history, risk management practices, safety programs, and operational stability. Roundstone looks for committed partners—companies that will engage with loss control and participate in group governance and reporting. Submission requirements commonly include loss runs, operations descriptions, safety and hiring procedures, and fleet information where applicable. Because this is a captive structure, account placement is evaluated on group fit and long-term viability rather than only on immediate premium. Territories and Availability Admitted coverage is available through Roundstone in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Confirm state eligibility and program specifics on each submission as local requirements and appetite can change. Example Account Scenarios Manufacturer: You have a regional manufacturer with steady production, limited auto exposure, solid loss control, and interest in long-term premium stabilization. This client could benefit from lower volatility and shared underwriting gains under the captive. Food & Beverage Processor: A mid-sized food processor with robust sanitation procedures and predictable property exposures wants more control over reinsurance and claims. The captive can offer a multi-line solution that aligns incentives for safety investments. Why Work With Roundstone on This Business Roundstone administers a complete turnkey group captive program that simplifies the transition for agents and their insureds. For brokers seeking admitted solutions that provide long-term cost control, governance, and access to captive economics without building an in-house program, Roundstone offers underwriting expertise, administration, and a pathway to participate in underwriting profits and investment income while reducing dependence on the traditional commercial market cycle. Frequently Asked Questions What types of accounts are a good fit for the American Business Captive?Middle-market companies in Manufacturing, Distribution, Sales & Service, and Food & Beverage with stable operations, documented safety programs, and a willingness to participate in group risk management are the best fit. Which coverages can be placed through this captive?The program supports admitted Workers’ Compensation, Automobile Liability, Property, and General Liability on a multi-line captive structure. Is the program available nationwide?Yes — Roundstone offers admitted placements in the states listed on this storefront. Confirm state eligibility and any local underwriting requirements on each submission. What does Roundstone require on submission?Expect to provide recent loss runs, operations descriptions, safety and loss control documentation, and fleet details when applicable. Submissions are evaluated for group fit and long-term viability. Need help placing an account? Connect with a market specialist.

...s hauling, large trucking fleets, livery operations Logging and heavy tran...

...ansportation providers Public livery operations Farm and agricultural ...

Public Auto Insurance for NC and VA More Than 30 Years of Experience Agents Insurance Markets, Inc. (AIM) is a Managing General Agency offering a focused Public Auto Insurance program for community-oriented transportation risks in North Carolina and Virginia. Backed by more than three decades of experience in the transportation market, AIM provides responsive underwriting, quick turnaround, and practical coverage solutions through Stratford Insurance Company on an admitted basis in available states. Overview of the Program This program is designed for public auto operations that transport passengers on a for-hire or nonprofit basis. AIM underwrites single vehicles up to full small fleets and works with agents to place taxis, limousines, vans serving churches, daycare providers, van pools, and similar community transportation services. The program emphasizes straightforward submission requirements, flexible limits, and a focus on well-managed operations. Ideal Accounts and Appetite Taxis (note: physical damage limits for taxis are capped at $125,000 per vehicle) Limousines and luxury chauffeured services Church vans and other faith-based transport Daycare and childcare transport vans Van pools and employee transport within community ranges AIM targets local and intermediate operations with driving radiuses of 0–300 miles (Local: 0–100 miles; Intermediate: 101–300 miles). The best-fit accounts are community-based or business-to-business services with disciplined maintenance programs, clear driver screening and training, and generally clean MVR histories. Coverage Highlights and Advantages Primary liability: Limits available up to $1,000,000 Combined Single Limit (CSL) Physical damage: Coverage available up to $125,000 per vehicle (taxi cap applies) Quick quoting for small accounts — phone quotes for four vehicles or fewer Flexible terms for single-unit placements through small fleets Acord applications accepted for initial submissions to simplify quoting Underwriting Notes The program is underwritten through Stratford Insurance Company. There is no stated minimum premium, but submissions should demonstrate responsible operations: well-maintained vehicles, current MVRs, documented driver hiring and training practices, and clear use patterns within the 0–300 mile radius. For accounts of five or more vehicles, provide a complete submission including current MVRs for each driver. AIM underwriters work with agents to clarify exposures and structure competitive, practical terms. Territories and Availability This Public Auto program is offered exclusively for risks located in North Carolina and Virginia. Coverage is placed on an admitted basis in those available states through Stratford Insurance Company. Why Work With Agents Insurance Markets, Inc.? AIM brings deep niche expertise in transportation products and a hands-on approach for agents placing community and small commercial fleets. As an experienced MGA, AIM provides: Direct underwriting access and timely responses Practical appetite guidance so you avoid wasted submissions Ability to handle single units up to multiple-vehicle accounts with clear submission pathways Partnership orientation — support for underwriting questions and endorsements Example Scenarios You have a church that operates two vans for weekend services and youth programs. They maintain driver records and perform routine maintenance — this program can provide admitted coverage with appropriate liability and physical damage limits. A local daycare operates three passenger vans to transport children to nearby schools. With documented driver screening and current MVRs, you can often secure competitive terms; phone quoting is available for accounts of this size. Frequently Asked Questions What types of accounts are a good fit for this program? Taxis, limousines, church vans, daycare vans, and van pools operating within a 0–300 mile radius in NC and VA are the primary targets for this program. How many vehicles can I submit for a quote? You can submit single units up to full small fleets. Phone quotes are available for accounts with four or fewer vehicles. For five or more, provide a full submission including current MVRs for each driver. What liability and physical damage limits are available? Primary liability limits are available up to $1,000,000 CSL. Physical damage coverage is available up to $125,000 per vehicle (note the $125,000 cap for taxis). Do you accept Acord applications? Yes — Acord applications are accepted for initial submissions to streamline the quoting process. Which states is this program available in? This program is offered exclusively in North Carolina and Virginia. Need help placing an account? Connect with a market specialist.

Overview of the Heterogeneous Workers' Compensation Program Roundstone’s Heterogeneous Workers' Compensation Program is a fully insured, admitted workers’ compensation solution designed for mixed blue-collar exposures. The program is structured as a cash-flow friendly “Pay as You Go” product: premiums are billed monthly so you can avoid large down payments and reduce end-of-policy audit surprises. Premiums are matched to payroll in near real time, helping insureds keep premium in line with actual payroll exposure while improving cash flow and loss visibility. Program Positioning This program is offered by Roundstone through admitted carriers and is underwritten by a captive provider model focused on practical, responsive service for brokers and their clients. Underwriting emphasizes quick decisions and pragmatic evaluation of heterogeneous classes rather than forcing accounts into narrow class buckets. Ideal Accounts and Appetite Mixed blue-collar businesses with multiple different job classifications on a single payroll (e.g., maintenance firms, property services, general contractors with specialty crews). Seasonal or variable-pay employers that benefit from monthly premium adjustments rather than large up-front deposits. Smaller to mid-sized accounts where audit variance and cash flow are common sales objections. Classes commonly written in this program include numerous blue-collar and hands-on occupations — ask Roundstone for the current class appetite. Coverage Highlights and Advantages Fully admitted paper — policy issued by admitted carriers for stability and regulatory compliance in participating states. Monthly premium billing tied to actual payroll reporting, reducing audit “shock” and improving cash flow for insureds. Designed for heterogeneous payrolls so multi-class exposures can be placed on one policy without awkward manual splits. Responsive underwriting and program servicing tailored to broker needs — faster turnarounds and pragmatic placements. Pay as You Go approach helps lower collection risk and smooths premium payments through the policy term. Underwriting Notes Roundstone evaluates heterogeneous accounts with emphasis on payroll patterns, loss history, and class mix. Monthly payroll reporting is a core part of the program to ensure premium aligns with exposure; confirm reporting requirements during submission. While many blue-collar classes are eligible, accounts with unusual or highly volatile exposures may require additional underwriting review. Specific minimum premium thresholds and eligibility criteria vary by state and account—please contact Roundstone for details and submission guidelines. Territories and Availability This program is available on admitted paper in the following territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and filing details are subject to state regulations; confirm state eligibility at quote. Why Place Business with Roundstone Deep focus on cash-flow friendly workers’ comp solutions for hands-on employers. Admitted carrier placements that combine regulatory stability with pay-as-you-go flexibility. Underwriting geared toward heterogeneous class mixes and practical service for brokers. Reduces audit surprises and aligns premium with real payroll activity — a clear selling point for cost-sensitive insureds. Example Scenarios You might have a landscaping contractor who staffs heavy crews in summer and trims staff in winter — this program lets premium follow payroll month to month. Or a maintenance contractor with electricians, plumbers and general laborers on one payroll can place all classes together without repeated audit adjustments. Frequently Asked Questions What types of accounts are a good fit for Roundstone’s Heterogeneous Workers' Compensation Program?Accounts with multiple blue-collar job classifications on one payroll, seasonal or variable payrolls, and small to mid-sized employers who need monthly premium billing and reduced audit volatility are ideal candidates. Is this program available on admitted paper in my state?Roundstone writes admitted paper in a wide set of states (see program availability). State filings and specific eligibility can vary, so submit a quick inquiry or contact Roundstone to confirm availability and filing details for your client’s state. How does the monthly billing or “Pay as You Go” feature work?The program requires monthly payroll reporting so premium is billed based on actual payroll exposure rather than estimated annual payroll and a large up-front deposit. This approach reduces end-of-term audit adjustments and improves insured cash flow. Exact reporting requirements are provided at submission. What information does underwriting typically need for a quote?Underwriters typically request current payroll by class, last few years’ loss runs, and a description of operations. Because the program targets heterogeneous classes, clear payroll splits and a recent loss history speed up the review. How quickly can I get a quote or bind coverage?Roundstone emphasizes responsive underwriting and aims for fast turnarounds on standard heterogeneous accounts. Turnaround time depends on completeness of submission; provide payroll detail and loss runs to expedite the quote. Need help placing an account? Connect with a market specialist.

We have a premier market for Bus accounts! U.S. Risk Insurance Group, Inc. offers access to an A+ XV-rated admitted carrier that can quote up to $5 million in auto liability limits, including physical damage coverage, with competitively low deductibles. Incidental general liability (GL) can also be written in conjunction with the bus coverage. This program is backed by strong claims management and loss control services, giving your insureds the protection and service they deserve. Overview of the Program From U.S. Risk Insurance Group U.S. Risk Insurance Group’s Bus Insurance program is designed for large people-mover operations, including fixed-route transit buses. Our carrier partner offers admitted paper with high limits and competitive pricing, making this a go-to solution for agents and brokers working with transit-focused accounts. The program is available in all 50 states and Washington, D.C., and is best suited for accounts with annual premiums of $75,000 or more. Ideal Accounts and Appetite We are currently targeting large bus accounts, specifically those that fall into the following categories: Fixed-route public transit operations Large people-mover fleets Urban and suburban shuttle services This program is ideal for clients operating in metropolitan or regional markets with significant passenger volume and consistent routing. For example, you might have a client running a city-wide transit system or a large shuttle fleet serving corporate campuses or airports—these are strong fits for our underwriting appetite. Coverage Highlights and Advantages Auto liability limits up to $5 million available Physical damage coverage included Low deductibles to reduce out-of-pocket exposure Optional incidental general liability coverage Access to top-tier claims and loss control services Underwriting Notes and Minimum Premiums To be considered for this program, submissions must meet our underwriting criteria and be complete. A full submission should include: ACORD forms 125, 127, 137 (and 126 if including incidental GL) A completed Public Auto questionnaire Vehicle schedule including use, garaging, radius, capacity, and cost new Five years of currently valued loss runs Current financial statements Current driver list and MVRs We are primarily seeking accounts with minimum premiums of $75,000, though this may vary based on risk characteristics and state. Territories and Availability This program is available in all 50 states and Washington, D.C., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. Why Work With U.S. Risk Insurance Group As an experienced excess and surplus lines broker, U.S. Risk Insurance Group provides agents and brokers with access to specialized markets and underwriting support for complex public auto risks. With our strong carrier relationships and focus on service, we help you deliver tailored solutions that meet the operational and compliance demands of your bus operator clients. Frequently Asked Questions What types of accounts are a good fit for this bus insurance program?We are targeting large people-mover operations, especially fixed-route public transit systems with premiums of $75,000 or more. Is the coverage written on admitted paper?Yes, we offer coverage through an A+ XV-rated admitted carrier. Can incidental general liability be added to the policy?Yes, incidental GL can be written in conjunction with the bus coverage when needed. What documents are required for a complete submission?Submissions must include ACORD forms, a Public Auto questionnaire, a full vehicle schedule, five years of loss runs, financials, and driver/MVR info. Is this program available nationwide?Yes, the program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.