Midwest Nursing Homes & Assisted Living Facilities Insurance Program
Caitlin Morgan Insurance Services offers a specialized program designed to serve the unique insurance needs of nursing homes, assisted living facilities, and senior care operations throughout the Midwest. This program is backed by Midwest Insurance Group (MIG), a member-owned Risk Retention Group (RRG) formed under the Liability Risk Retention Act (LRRA). MIG was created to provide a stable and cost-effective alternative to the rising liability premiums in the healthcare sector.
As an independent agent or broker, you can access a reliable and tailored insurance solution for your clients operating skilled nursing or assisted living facilities. This program focuses on delivering consistency in underwriting, competitive pricing, and long-term coverage stability in a challenging line of business.
Ideal Accounts and Appetite
The program is designed for small to mid-sized senior care facilities that demonstrate strong management practices and a commitment to risk mitigation. Ideal accounts include:
- Skilled nursing facilities
- Assisted living and memory care centers
- Independent living communities with healthcare components
- Continuing care retirement communities (CCRCs)
Facilities with a clean loss history, strong compliance track records, and effective staff training programs are especially attractive. You might have a client operating a 75-bed assisted living facility in Indiana looking for long-term liability protection—this program is built for them.
Coverage Highlights and Advantages
The program provides both Professional Liability and General Liability coverage tailored for healthcare and senior care exposures. Key benefits include:
- Stable, long-term underwriting approach from a member-owned RRG
- Coverage designed specifically for healthcare facilities
- Consistent availability in an often-volatile liability market
- Experienced claims handling and risk management consultation
Through MIG, your clients participate in a risk-sharing model that aligns the interests of insureds and underwriters, promoting long-term rate stability and proactive risk control.
Underwriting Notes
All submissions are reviewed individually, with a focus on operational quality and claims history. While no specific minimum premium is listed, accounts should reflect financially viable operations with an emphasis on quality care and regulatory compliance. Facilities with recent major violations or high loss frequency may not qualify.
Territories and Availability
This program is available in the following Midwest states:
- Illinois (IL)
- Indiana (IN)
- Michigan (MI)
- Ohio (OH)
All available states are supported with appropriate filings under the RRG structure.
Why Work With Caitlin Morgan Insurance Services?
Caitlin Morgan Insurance Services brings deep expertise in healthcare and senior living risks. As the exclusive access point to the MIG program, they provide underwriting insight, fast turnaround times, and dedicated support for agents placing long-term care risks. Whether you’re working with a single-location facility or a small group operator, Caitlin Morgan delivers tailored solutions that go beyond standard liability coverage.
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?
This program is ideal for skilled nursing facilities, assisted living centers, and senior care facilities with good management practices and clean loss histories in IL, IN, MI, and OH.
What types of coverage are included?
The program offers both Professional Liability and General Liability coverage tailored to the needs of long-term care and senior living operations.
Is the program admitted or non-admitted?
This is a Risk Retention Group (RRG) program available in all listed states under the Liability Risk Retention Act. It is not admitted in the traditional sense but is fully authorized to operate in those states.
Can I submit a facility with a recent claim?
Facilities with recent claims may be considered, but accounts with high frequency or severity of losses may not qualify. A strong focus on current risk controls is essential.
Who underwrites this program?
The program is underwritten by Midwest Insurance Group (MIG), a member-owned Risk Retention Group specializing in healthcare liability coverage.
Need help placing an account? Connect with a market specialist.