Target Classes and Ideal Risks
This program is a strong fit for risks in the following sectors:
- Bars, taverns, and full-service restaurants — including operations with liquor exposure and entertainment
- Nursing homes
- Assisted living and independent living facilities
You might have a client who operates a restaurant with a full bar, live entertainment and liquor exposure, or a regional owner managing multiple assisted-living locations — these are the types of accounts Caitlin Morgan routinely helps place.
Coverage Highlights
General Liability
Available for hospitality accounts (including liquor liability) and for senior care operations. Limits and terms are tailored to the class and loss history.
Property
Coverage for buildings, contents, and business interruption exposures — suitable for nursing homes, assisted living facilities, bars, taverns, and restaurants.
Professional Liability
Specialized professional and clinical liability options are available for healthcare-related risks, including nursing homes and assisted/independent living communities.
Underwriting and Market Access
This offering is a non-admitted program, which provides flexibility for placing risks outside standard market appetites. Caitlin Morgan works with a panel of carriers to match each account to the appropriate market and has experience handling complex hospitality and healthcare exposures.
Typical underwriting considerations include prior loss history, liquor service controls and training, staffing and clinical procedures for senior care, multi-location exposures, and physical protection measures for property risks.
Territory
The program is available in most U.S. states, including CA, FL, NY, TX, IL, and PA. Caitlin Morgan serves agents and brokers across the continental U.S., as well as Alaska, Hawaii, and Washington, D.C.; contact the team for specific state availability or filing questions.
Why Choose Caitlin Morgan?
Caitlin Morgan Insurance Services is a trusted wholesale broker with niche expertise in hospitality and senior care. Their team partners with agents to navigate complex underwriting requirements and to secure competitive solutions across multiple carriers. Whether you are placing a single-location tavern or a multi-site senior care portfolio, Caitlin Morgan brings market access and technical underwriting support to help you close the deal.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for bars, taverns, restaurants with liquor exposure, and senior living operations such as nursing homes, assisted living, and independent living facilities.
Is this program available on an admitted basis?
No. This is a non-admitted program, which allows for greater flexibility in underwriting and placement when admitted markets are not appropriate.
Can I place multi-location risks through Caitlin Morgan?
Yes. Caitlin Morgan can assist with multi-location accounts, particularly in healthcare and hospitality sectors where centralized underwriting and multistate placement are required.
What coverages are included?
Available coverages depend on class of business but commonly include general liability (with liquor liability where needed), property (building, contents, business interruption), and professional liability for healthcare operations.
Which states is this program available in?
The program is available in most U.S. states, including CA, NY, FL, TX, and others. Contact Caitlin Morgan for confirmation of availability in a specific state.
Need help placing an account? Connect with a market specialist.