Caitlin Morgan Insurance Services offers a specialized program designed to help agents and brokers place coverage for a wide range of miscellaneous healthcare facilities. With access to various carriers and availability in all 50 states, this program addresses the unique risks found in non-hospital healthcare settings. Whether you're working with a standalone facility or a growing outpatient network, Caitlin Morgan provides the underwriting expertise and market access to support your client's needs.
Ideal Accounts and Appetite
This program is designed for a broad mix of healthcare-related facilities that typically fall outside traditional hospital or physician office categories. 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 often face complex liability exposures due to the nature of their services and the professionals they employ. The program can accommodate both smaller operations and larger, multi-location practices.
Coverage Highlights and Advantages
- Professional Liability
- $1M/$3M standard limits available (customized limits on request)
- Deductibles starting at $0
- Minimum premium of $2,500
- Coverage available for employed physicians
- Pure claims-made form with prior acts coverage (broader than claims-made and reported)
- Defense costs can be inside or outside policy limits
- General Liability
- $1M/$3M standard limits available
- Separate limits for general and professional liability
- Only offered with professional liability coverage
Underwriting Notes and Minimum Premiums
The program requires a minimum premium of $2,500, with deductibles starting at $0. Caitlin Morgan can tailor limits and terms to meet unique client needs. Risks are evaluated on a case-by-case basis, with the flexibility to consider a wide range of facility types and operations.
Territories and Availability
This program is available in all 50 states, including Washington D.C. Caitlin Morgan works with a variety of carriers to secure admitted and non-admitted solutions depending on the client’s location and risk profile.
Why Work With Caitlin Morgan Insurance Services?
Caitlin Morgan has extensive experience in placing coverage for niche healthcare operations. As a wholesale broker, they offer market access and underwriting insight you can rely on. Their team understands the distinct exposures faced by outpatient and specialized care facilities and works with agents to produce competitive, appropriate solutions for their clients.
Whether you're helping a startup telemedicine provider or a well-established dialysis center expand operations, Caitlin Morgan provides support throughout the submission and placement process.
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 is ideal for 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, the program offers professional liability coverage for employed physicians working in the insured facility.
Is general liability coverage available as a standalone option?
No, general liability is only available when packaged with professional liability coverage under this program.
What is the minimum premium for this program?
The minimum premium starts at $2,500, with deductibles beginning at $0, depending on the risk profile and coverage selected.
In which states is this program available?
This program is available in all 50 states and Washington D.C., offering both admitted and non-admitted options based on the specific risk and location.
Need help placing an account? Connect with a market specialist.