Midwest Nursing Homes & Assisted Living Facilities Insurance Program
Caitlin Morgan Insurance Services offers a dedicated program that addresses the liability needs of nursing homes, assisted living facilities, memory care, and other senior care operations across the Midwest. The program is backed by Midwest Insurance Group (MIG), a member-owned Risk Retention Group (RRG) formed under the Liability Risk Retention Act. MIG was created to provide a stable, cost-effective alternative to rapidly rising liability costs in the healthcare sector.
As an independent agent or broker, you can place long-term care accounts through Caitlin Morgan with underwriting tuned to the realities of senior living operations. The program emphasizes consistent underwriting, competitive liability placements, and coverage stability—important advantages in a volatile market for healthcare liability.
Ideal Accounts and Appetite
This program targets small- to mid-sized senior care providers that demonstrate strong operations and a commitment to risk control. Ideal placements include:
- Skilled nursing facilities
- Assisted living and memory care centers
- Independent living communities with healthcare components
- Continuing care retirement communities (CCRCs)
Facilities with clean loss histories, solid regulatory compliance, and active staff training programs are preferred. For example, you might have a client running a 75-bed assisted living facility in Indiana who needs long-term professional and general liability protection—this program is built to serve that profile.
Coverage Highlights and Advantages
The program offers both Professional Liability and General Liability forms tailored to senior care exposures. Key advantages include:
- Member-owned RRG structure that supports long-term underwriting stability
- Coverage wordings and limits designed specifically for healthcare and senior living risks
- Consistent market availability when traditional liability markets are constrained
- Experienced claims handling and proactive risk management consultation
Through the RRG model, insureds participate in a risk-sharing approach that aligns underwriters and members around loss control and rate stability.
Underwriting Notes
All submissions are reviewed on their own merits with emphasis on operational quality, staffing, training, and claims history. While there is no public minimum premium listed, accounts should reflect financially viable operations and a demonstrated focus on regulatory compliance. Facilities with recent major violations, repeat deficiencies, or high loss frequency are less likely to qualify unless there is clear evidence of corrective action and improved controls.
Territories and Availability
This program is available in the following Midwest states:
- Illinois (IL)
- Indiana (IN)
- Michigan (MI)
- Ohio (OH)
Coverage is offered through the RRG structure and is supported with the necessary filings to operate in the listed states.
Why Work With Caitlin Morgan Insurance Services?
Caitlin Morgan Insurance Services specializes in healthcare and senior living risks and acts as the exclusive access point to the MIG program. Agents benefit from focused underwriting guidance, timely turnarounds, and hands-on support when placing long-term care liability. Whether you are submitting a single-location facility or a small group operator, Caitlin Morgan provides tailored solutions and a partner approach to risk placement and loss control.
To learn more about the program or request a quote, visit our storefront or Caitlin Morgan’s company profile.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Skilled nursing facilities, assisted living and memory care centers, CCRCs, and independent living communities with healthcare components that have solid management, clean loss histories, and strong compliance in IL, IN, MI, and OH.
What types of coverage are included?
The program provides both Professional Liability and General Liability coverage with forms and limits designed for long-term care and senior living exposures.
Is the program admitted or non-admitted?
This program is offered through a Risk Retention Group (MIG). It operates under the LRRA and is authorized to write business in the listed states; it is not an admitted carrier in the traditional sense.
Can I submit a facility with a recent claim?
Yes—facilities with recent claims may be considered. However, accounts with high frequency or severity of losses are less likely to qualify unless there is clear evidence of improved risk controls and remediation.
Who underwrites this program?
Midwest Insurance Group (MIG), a member-owned Risk Retention Group focused on healthcare liability, underwrites the program.
Need help placing an account? Connect with a market specialist.