Ideal Accounts and Appetite
This program is ideal for:
- Nursing Homes
- Assisted Living Centers
- Continuing Care Retirement Communities (CCRCs)
Whether you're working with a small regional facility or a multi-location care provider, Caitlin-Morgan can help you secure comprehensive coverage that addresses professional liability, staffing exposures, and resident care risks.
Example placement scenarios include:
- A family-owned nursing home seeking broader coverage beyond general liability, including abuse and punitive damages protection.
- An expanding assisted living group needing per-location limits and evacuation coverage across multiple states.
Coverage Highlights and Advantages
This program includes a broad range of important coverages tailored to the long-term care industry:
- Limits from $250,000 to $1,000,000 per occurrence / $3,000,000 aggregate
- Limits written on a per location basis
- Coverage includes employees and volunteers
- Protection for the Administrator, Director of Nursing, Medical Director, and LLC members
- Available without exclusions for physical and sexual abuse and punitive damages
- Defense costs outside the liability limit
- Evacuation expense coverage – even when there's no property damage
Underwriting Notes and Minimum Premiums
Minimum premium varies based on account size and risk profile. Caitlin-Morgan takes a consultative approach to underwriting, with fast turnaround and personalized service. Submissions are reviewed by a multidisciplinary team, allowing for practical solutions even for complex risks.
Territories and Availability
This program is available in all 50 states and Washington, D.C. Caitlin-Morgan works with many national carriers and offers flexible options through a Risk Retention Group structure. Admitted and non-admitted solutions are available depending on the state and account needs.
Why Work With Caitlin-Morgan Insurance Services?
With years of experience in long-term care insurance, Caitlin-Morgan offers more than just market access. Their clinical and legal expertise sets them apart when evaluating claims potential, facility operations, and regulatory compliance. Agents benefit from:
- A dedicated team familiar with the healthcare and senior living industries
- Responsive underwriting and customized risk management support
- Established carrier relationships for competitive and stable coverage solutions
To discuss a submission or learn more about placing business through Caitlin-Morgan, contact:
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is best suited for nursing homes, assisted living centers, and continuing care retirement communities looking for comprehensive liability and risk management solutions.
Is coverage available in all states?
Yes, Caitlin-Morgan offers this program in all 50 states and Washington, D.C.
Are abuse and punitive damages covered?
Yes, coverage is available without exclusions for physical and sexual abuse and punitive damages, subject to underwriting approval.
What is the minimum premium for this program?
The minimum premium varies depending on the size and complexity of the account. Contact Caitlin-Morgan for specific underwriting guidance.
Who can I contact to submit a risk or ask questions?
You can contact Linda Winzenread at 800-723-7475, Ext. 241 or email [email protected] for assistance.
Need help placing an account? Connect with a market specialist.