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Caitlin Morgan Insurance Services
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Caitlin Morgan Insurance Services
Contact Us
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Nursing Home Insurance

Nursing Home Insurance Coverage
 
Caitlin Morgan Insurance Services offers a focused Nursing Home Insurance program created to help independent agents and brokers place coverage for long-term care providers. With an in-house underwriter, a legal nurse consultant, and a nurse/attorney on staff, Caitlin-Morgan combines clinical and legal expertise with a high-touch underwriting approach. The program is supported by respected carriers and designed to address the operational, professional and regulatory exposures common to skilled nursing facilities and similar operations.
 

Ideal Accounts and Appetite

This program is a strong fit for:
  • Nursing homes and skilled nursing facilities
  • Assisted living centers and memory care units
  • Continuing Care Retirement Communities (CCRCs) and multi-service senior living operators
Whether you represent a family-owned single location or a multi-site regional operator, Caitlin-Morgan can help you secure primary liability placements and tailored limits per location. Typical appetites include facilities that require professional liability, abuse coverage, and staffing exposure management. Accounts with substantial regulatory or claims history may still be considered through the program’s consultative underwriting process.
 
Example placement scenarios you might bring to this market:
  • A family-owned nursing home seeking broader liability protection that explicitly includes coverage for abuse and punitive damages.
  • An expanding assisted living group that needs per-location limits and evacuation expense coverage across multiple states.
 

Coverage Highlights and Advantages

Key coverages and program strengths include:
  • Limits available from $250,000 to $1,000,000 per occurrence with up to $3,000,000 aggregate
  • Limits can be written on a per-location basis
  • Employees and volunteers are included as insureds
  • Coverage extends to the Administrator, Director of Nursing, Medical Director, and LLC members
  • Available without exclusions for physical and sexual abuse and punitive damages (subject to underwriting)
  • Defense costs provided outside the liability limit
  • Evacuation expense coverage that applies even when there is no property damage
 

Underwriting Notes and Minimum Premiums

Minimum premium varies by account size, operations, and claims profile. Caitlin-Morgan uses a hands-on, consultative underwriting process with fast turnaround — submissions are reviewed by a multidisciplinary team (underwriter, clinical nurse consultant, and attorney) to find practical solutions for complex risks. Provide complete staffing, policy/procedure, and claims history information to speed placement and pricing.
 

Territories and Availability

This program is available in all 50 states and Washington, D.C. Caitlin-Morgan works with national carriers and operates within a Risk Retention Group structure where appropriate. Both admitted and non-admitted solutions are available depending on the state and the account’s needs.
 

Why Work With Caitlin-Morgan Insurance Services?

Caitlin-Morgan offers market access plus deep operational knowledge of long-term care. Agents benefit from:
  • A dedicated team experienced in healthcare and senior living exposures
  • Clinical and legal expertise that helps assess claims potential and compliance gaps
  • Responsive, personalized underwriting and risk management support
  • Established carrier relationships that provide competitive and stable coverage options
 
To discuss a submission or learn more about placing business through Caitlin-Morgan, 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 best suited for nursing homes, assisted living centers, memory care units, and continuing care retirement communities seeking comprehensive liability and risk management solutions.

Is coverage available in all states?

Yes. Caitlin-Morgan offers this program in all 50 states and Washington, D.C., with admitted and non-admitted options where appropriate.

Are abuse and punitive damages covered?

Yes. Coverage is available without exclusions for physical and sexual abuse and for punitive damages, subject to underwriting approval and state requirements.

What is the minimum premium for this program?

Minimum premium varies based on the account’s size, operations, and claims profile. Contact Caitlin-Morgan for specific underwriting guidance.

Who can I contact to submit a risk or ask questions?

Contact Linda Winzenread at 800-723-7475, Ext. 241 or email [email protected] for assistance with submissions and questions.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Risk Retention Group
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A or Better
  • Commission:
    Varies
  • Min Premium:
    Varies

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