Nursing Home Workers Compensation

Ideal Accounts and Appetite

This program is designed specifically for nursing homes and skilled nursing facilities located in Indiana. It is a strong fit for facilities that demonstrate consistent risk management practices, invest in employee safety, and maintain reasonably stable claims experience. Single-site operators and multi-site groups that can meet the program’s minimum premium and loss-control expectations are appropriate candidates.

Accounts that are outside long-term care, or those with frequent high-severity claims, unstable operations, significant regulatory issues, or recent severe losses, are unlikely to qualify.

Coverage Highlights and Advantages

Agents placing business through Caitlin Morgan’s Nursing Home Workers Compensation Dividend Program can offer clients several differentiated benefits, including:

• Dividend payouts tied to group volume and loss performance
• 5% association credit for eligible participants
• Loss prevention services customized for nursing home operations
• Access to RTW’s SelectRite pre-hire screening tool
• Early identification and managed care for high-risk claims
• Data-driven claim review to pinpoint the small share of claims that drive the majority of cost
• Average claim costs and closure times that outperform industry benchmarks, helping reduce disability durations and improve staffing stability

Underwriting Notes and Minimum Premiums

This program is structured as a group dividend product and carries a minimum premium requirement of $25,000. Underwriting evaluates operational stability, safety programs, hiring and retention practices, and historical claims activity. Pre-submission conversations with underwriting are encouraged to confirm eligibility and speed placement.

Territories and Availability

The Nursing Home Workers Compensation Dividend Program is currently available in Indiana and is written on a non-admitted basis through RTW. Availability may be limited by location and by the program’s appetite for long-term care exposures.

Why Work With Caitlin Morgan Insurance Services?

Caitlin Morgan Insurance Services is a wholesale broker focused on healthcare programs, with particular experience in long-term care workers’ compensation. Our partnership with RTW gives agents access to an experienced claims-management team, industry-specific loss prevention tools, and a dividend structure that rewards performance. We provide responsive underwriting and market access for agents placing qualifying nursing home accounts.

Example placement scenarios:

• You represent a mid-sized skilled nursing facility in Indiana with a stable claims record and an active safety program — this program can lower net cost through dividend opportunities and improved claim outcomes.
• You work with a multi-site long-term care operator seeking a group solution that rewards loss control and reduces disability durations to support staffing continuity — this program is designed for that type of risk.

Frequently Asked Questions

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