Overview of the Program from Caitlin-Morgan
Caitlin-Morgan, operating as a wholesale broker, places Managed Care Risk insurance for a wide range of plan sponsors and care organizations. The program is designed to address liability arising from managed-care operations, network contracting, utilization review, credentialing, claims administration and related corporate governance exposures. Coverage is offered on claims-made forms with flexible limits and deductible structures to suit different risk profiles.
Ideal Accounts and Appetite
- Health Maintenance Organizations (HMOs) and Dental Maintenance Organizations (DMOs)
- Independent Physician Associations (IPAs), Physicians Hospital Organizations (PHOs) and Medical Service Organizations (MSOs)
- Preferred Provider Organizations (PPOs), Vision Plans and Third-Party Administrators (TPAs)
- Organizations with professional and management liability exposures tied to provider contracting, utilization management, regulatory compliance and privacy/security incidents
The program typically fits mid-size to larger managed care entities and networks. There is more limited appetite for single-provider practices or organizations without formal governance, unless other risk controls and loss histories are favorable.
Coverage Highlights and Advantages
- Available limits up to $25M on claims-made forms; $10M capacity is also offered per program terms.
- Defense costs are inside the aggregate limit where indicated; broad coverage terms to address professional, management and network-related liabilities.
- Cyber/privacy and D&O options available to create layered placements for comprehensive protection.
- Flexible deductible options to align with client risk retention: ranges shown below reflect typical carrier structures across appetite tiers.
Underwriting Notes and Minimum Premiums
- Minimum premiums and deductibles vary by account type: HMOs often carry higher minimums and larger deductibles (examples in market materials).
- Market information (examples from available carriers): $25K minimum premium for HMOs (other entity types from $7,500), $5K and $500 minimums appear on selected programs; deductibles commonly range from $7,500 up to $250K depending on carrier and HMO vs. non-HMO structure.
- All placements are subject to underwriting review. Typical submission requirements include business description, enrollment/claims volumes, loss history, provider contracts, and information about compliance and utilization review processes.
Territories and Availability
This program is available in all states listed on our storefront, 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, DC, WV, WI and WY. Admitted and non-admitted options may be considered depending on state and carrier appetite; Caitlin-Morgan will advise on best routing.
Why Work with Caitlin-Morgan on Managed Care Risk
- Wholesale broker access to multiple carriers and program administrators for layered placements.
- Specialized knowledge of managed care exposures and the documentation insurers require for underwriting.
- Ability to present cohesive placements combining managed-care professional liability with D&O and cyber/privacy coverages.
Example Accounts That Fit This Program
- A regional HMO with 50,000+ members seeking $10M–$25M limits and a deductible aligned to its risk tolerance; needs both professional liability and D&O protection for the governing board.
- An IPA/MSO that manages network contracting and claims administration for multiple physician groups, seeking limits and privacy/cyber coverage to address claims from network disputes or data incidents.
Available Carriers
Various carriers and program administrators participate in this offering. Caitlin-Morgan will identify optimal markets based on the account profile and desired structure.
Frequently Asked Questions
What types of managed care organizations are a good fit for this program?
This program targets HMOs, DMOs, IPAs, PHOs, PPOs, MSOs, TPAs and vision plans—generally mid-size to large organizations with formal governance, provider networks, and claims administration functions.
What limits and deductible structures are available?
Markets accessible through Caitlin-Morgan offer limits up to $25M (claims-made). Deductibles and minimum premiums vary by carrier and account type; HMOs typically carry higher minimums and larger deductible ranges than other classes.
What submission information will underwriters expect?
Prepare a summary of operations, enrollment or service volumes, copies of provider contracts, recent loss runs, details on utilization review and compliance programs, and any information on cyber/privacy controls if you seek layered coverage.
Are admitted options available?
Both admitted and non-admitted solutions may be considered depending on state jurisdiction and carrier appetite. Caitlin-Morgan will recommend the appropriate admitted or non-admitted placement strategy for each account.
Need help placing an account? Connect with a market specialist.