Caitlin Morgan Insurance Services offers a focused program to help agents and brokers place coverage for a wide range of miscellaneous healthcare facilities. With access to multiple carriers and availability in all 50 states, this program addresses the distinct liability and operational risks found in non-hospital healthcare settings. Whether the account is a single-location specialty clinic or a multi-site outpatient network, Caitlin Morgan provides underwriting expertise and market access to help secure appropriate solutions.
Ideal Accounts and Appetite
This program targets healthcare-related facilities that typically fall outside traditional hospital or physician-office classifications. Examples of target facilities include:
| Diagnostic Radiology |
Weight Loss |
| Dialysis |
Substance Abuse |
| Bariatrics |
Women's Health |
| Cancer Research |
Outpatient Care |
| Community Health |
Surgi-Centers |
| Fertility |
Medical Spas |
| Lasik |
Hospice |
| Birthing Centers |
Blood/OPO/Tissue Banks |
| Disease Management |
Pharmacies/Drug Wholesalers |
| Medical Rehabilitation |
Dental Clinics |
| Telemedicine |
Prescription Benefit Management Companies |
These facilities frequently face complex liability exposures because of the procedures performed and the variety of professionals on staff. The program accommodates both smaller single-site operations and larger, multi-location practices, with flexibility to consider diverse specialty mixes.
Coverage Highlights and Advantages
- Professional Liability
- $1M/$3M standard limits available (higher limits considered)
- Deductible options starting at $0
- Minimum premium typically starts at $2,500
- Coverage available for employed physicians
- Pure claims-made form with prior acts coverage (broader than claims-made-and-reported)
- Defense costs available either inside or outside policy limits
- General Liability
- $1M/$3M standard limits available
- Separate limits for general and professional liability
- General liability is offered only when packaged with professional liability under this program
Underwriting Notes and Minimum Premiums
The program generally requires a minimum premium of $2,500; deductibles can begin at $0 depending on the carrier and risk profile. Underwriters evaluate each submission on its individual exposures, including services provided, staffing, procedures performed, location, and claims history. Caitlin Morgan can tailor limits and endorsements to meet unique client needs where markets will allow.
Territories and Availability
This program is available in all 50 states, including Washington D.C. Caitlin Morgan works with a range of admitted and non-admitted carriers to secure solutions appropriate to the client’s location and risk characteristics.
Why Work With Caitlin Morgan Insurance Services?
As a wholesale broker with deep experience in niche healthcare programs, Caitlin Morgan provides market access and underwriting insight agents can rely on. Their team understands the exposures of outpatient and specialized care facilities and works directly with producers through the submission and placement process.
Example fits you might see: you may have a client operating a multi-site dialysis and outpatient infusion practice that needs professional liability with employed-physician coverage; or a startup telemedicine provider requiring professional liability limits and tailored prior acts protection. In both situations Caitlin Morgan can help package the right markets and policy forms.
Contact:
Linda Winzenread
P: (800)723-7475, Ext.241
[email protected]
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits outpatient centers, specialty clinics, and healthcare service providers such as diagnostic labs, dialysis centers, medical spas, and substance abuse treatment facilities.
Can employed physicians be included in the coverage?
Yes. Professional liability coverage can include employed physicians working in the insured facility, subject to underwriting review.
Is general liability coverage available as a standalone option?
No. General liability under this program is only offered when packaged with professional liability coverage.
What is the minimum premium for this program?
The program’s minimum premium typically starts at $2,500. Final premiums depend on the facility’s operations, limits, and carrier terms.
In which states is this program available?
This program is available in all 50 states and Washington D.C., with admitted and non-admitted options used as appropriate for the risk and location.
Need help placing an account? Connect with a market specialist.