Caitlin Morgan Insurance Services offers specialized insurance solutions tailored for Long Term Care and Assisted Living Facilities. With decades of industry experience, our team includes an in-house underwriter, a legal nurse consultant, and a nurse/attorney—all working together to craft comprehensive, customized coverage for your clients. We take a hands-on approach to risk management and underwriting, delivering superior service and fast turnaround for agents and brokers across the nation.
Ideal Accounts and Appetite
We provide insurance programs for a wide range of long-term care operations. Our ideal accounts include:
- Assisted Living Centers
- Continuing Care Retirement Communities (CCRCs)
- Nursing Homes and Skilled Nursing Facilities
This program is designed for facilities seeking robust liability coverage and risk management support. Whether your client is a standalone facility or part of a multi-location network, we can structure coverage to match their unique exposures and regulatory climate.
Coverage Highlights and Advantages
Our Long Term Care Insurance program includes key features that address common industry risks:
- Limits ranging from $250,000 to $1,000,000 per occurrence / $3,000,000 aggregate
- Coverage for employees, volunteers, administrators, directors of nursing, medical directors, and LLC members
- Defense costs outside the policy limits
- Evacuation coverage even when no physical damage occurs
- Per-location limit structuring available
- Options available without exclusions for physical/sexual abuse and punitive damages
We work with many respected insurance carriers to ensure flexibility and stability in program design. Coverage is written through a Risk Retention Group structure, suitable for clients in many regulatory environments.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the size and scope of the facility, claims history, and desired limits. Our underwriting team responds quickly and works closely with agents to evaluate each submission thoroughly. We are experienced in handling everything from single-location facilities to large regional groups.
Territories and Availability
This program is available in all 50 states and Washington, DC. Regardless of location, our team is equipped to help you place business in both urban and rural markets. We understand the regulatory nuances across different states and can help you tailor solutions that meet local requirements.
Why Work With Caitlin Morgan Insurance Services?
Caitlin Morgan is known in the marketplace for our deep expertise in long-term care risks and our personalized approach to underwriting. From our legal nurse consultant to our dedicated underwriter, we bring clinical and legal insight to every submission. Agents and brokers rely on us for fast, thoughtful responses and access to competitive markets. If you're placing coverage for long-term care facilities, we have the tools and experience to help you succeed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We specialize in Assisted Living Centers, Nursing Homes, and Continuing Care Retirement Communities. Both standalone facilities and multi-location groups are eligible.
Is coverage available in all states?
Yes, our Long Term Care Insurance program is available in all 50 states and Washington, DC.
What coverages are included in the program?
Key coverages include general and professional liability, defense outside the limit, coverage for abuse and punitive damages (when available), and evacuation costs—even without property damage.
Who is covered under the policy?
The policy can extend to employees, volunteers, administrators, directors of nursing, medical directors, and LLC members.
What is the minimum premium for this program?
Minimum premiums vary depending on facility size, location, and risk characteristics. Contact us with your specific account details for a quote.
Need help placing an account? Connect with a market specialist.