Kaigler & Company offers a specialized Nursing Homes & Assisted Living program that places long-term care facilities across all 50 states (including DC). If your agency needs a market for a renewal that’s been non-renewed, a prospect with underwriting difficulty, or a facility impacted when a carrier withdraws from a state, Kaigler is positioned to help you find placement.
Ideal Accounts and Appetite
You should consider Kaigler & Company when you have:
- Facilities that were non-renewed, cancelled, or are being left without a carrier in their state.
- Smaller, locally owned homes that need flexible underwriting and an owner-operator product.
- Assisted living properties without skilled nursing beds that need tailored terms.
- Accounts with historic loss activity or operational issues that have limited market options.
Accounts that typically do not fit are large multi-state chains with centralized management, facilities with uncontrolled or extreme loss histories, or operations that require admitted paper in jurisdictions where only surplus markets are available.
Coverage Highlights and Advantages
Kaigler’s program is focused on placing difficult long-term care risks. Key advantages for agents:
- Access to Lloyd’s market capacity for difficult placements.
- Program options tailored to the facility’s operating model (skilled vs. assisted vs. owner-operated).
- Claims-made primary form that keeps limits and pricing competitive for budget-sensitive homes.
- Underwriting flexibility when a facility has been non-renewed or when a carrier exits a state.
Underwriting Notes and Minimums
The first primary facility is written on a restricted claims-made form with limits typically ranging from $250,000/$1,000,000 to $1,000,000/$2,000,000 and a minimum premium historically at $12,500. Underwriters will review operations, staffing levels, claims history, and any recent regulatory actions. Be prepared to provide loss runs, staffing ratios, licensing information, and details on resident acuity during submission.
Territories and Availability
Kaigler places business nationwide. The program is available in: 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. Coverage and form availability may vary by state and by the specific track you submit to.
Why Work With Kaigler & Company on This Business
Kaigler & Company has focused expertise in long-term care placements and a reputation for taking on accounts other markets decline. For agents that need a backstop when a carrier non-renews or when a home is struggling to find admitted markets, Kaigler provides underwriting attention and access to Lloyd’s capacity. The program is practical for owners and brokers who need flexible, pragmatic solutions rather than a one-size-fits-all policy.
Example Fits
- You have a 60-bed assisted living community that lost its carrier after a state exit; the owner is local and prefers to keep operations owner-run — the Home Town Home or assisted-care track could be an option.
- You’re placing a small nursing home that has been uninsured for budget reasons; the restricted claims-made primary with lower limits and a $12,500 minimum premium may allow the account to secure immediate coverage while operations stabilize.
Frequently Asked Questions
What types of long-term care accounts is Kaigler & Company best suited for?
Kaigler is best for smaller to mid-sized nursing homes, assisted living facilities, and residential care homes—particularly owner-operated locations, facilities being non-renewed, or accounts where carriers are withdrawing from the state.
Are there minimum premiums or limit options I should know about?
The program includes a restricted claims-made primary option with limits from $250,000/$1,000,000 up to $1,000,000/$2,000,000. Historically, the minimum premium on the primary facility has been $12,500. Specific terms are determined at submission and underwriting.
Which states are eligible for placement through this program?
Kaigler’s Nursing Homes & Assisted Living program places business across the U.S., including the states and DC listed on the storefront. Availability and form options can vary by state, so confirm at submission.
Need help placing an account? Connect with a market specialist.