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...the liability exposures unique to bicycle and trail tour operators. The progra...ll operator running weekend city bike tours and e-bike winery excursions, or a...

The RPS NIPC Bicycle Dealers Insurance program is a speci...as RPS NIPC offered this program?The Bicycle Dealers Insurance program has bee...

RPS NIPC offers a national Bicycle / Bike Insurance program written as ...ge, and fraud protection tailored to bicycle/bike/ski/segway operations. In wh...

Caitlin Morgan Insurance Services offers a focused Lumber Specialty Coverage Insurance program built for businesses across the wood-products supply chain. As a wholesale broker, Caitlin Morgan helps agents place tailored commercial packages for primary and secondary manufacturers, distributors, and dealers of lumber and building materials. Whether the account is a sawmill, cabinet manufacturer, or lumberyard, this program provides flexible coverage options to address property, liability, and equipment-related exposures. Targeted Classes Sawmills, planing and dimension mills Kitchen cabinet manufacturers Veneer and plywood manufacturers Pallet manufacturers Millwork manufacturers Truss and laminated beam manufacturers Wood preservers Building material dealers and distributors Lumberyards Coverage Highlights Property coverage for buildings, stock and contents Inland marine for goods-in-transit, stock and specialized equipment General liability including product/completed operations Commercial automobile for owned and hired autos Workers' compensation Crime and equipment breakdown Employment Practices Liability (EPLI) Ideal Account Characteristics Financially stable businesses with clear financials Operations consistent over the past three years Active, responsive on-site ownership or management Companies with more than three years in business This program is designed to give agents access to multiple carrier markets and underwriting solutions that match the operational risks common in wood-products businesses — from stock and fire exposures to transportation and product liability. Coverage is modular, so you can assemble property, inland marine, liability, and ancillary coverages in one package to simplify placement for your client. Underwriting Notes & Appetite Caitlin Morgan typically looks for accounts with stable loss histories, consistent operations, and engaged ownership. The program accommodates a wide range of occupancies listed above, and can be placed admitted or non-admitted depending on state rules and the risk profile. Accounts with recent major operational changes, unstable finances, or significant unresolved losses may require additional underwriting review or may not fit the appetite. Example fits you might submit: a family-owned lumberyard with large on-site inventory that needs inland marine and property coverage extensions, or a mid-sized cabinet manufacturer seeking combined property, GL with completed operations, and EPLI under one package. These are the types of accounts where Caitlin Morgan’s market access and underwriting focus deliver value. Program Availability This Lumber Specialty Coverage program is available in the following states: AL, AZ, AR, DE, GA, ID, IL, IN, IA, KS, KY, LA, ME, MN, MS, MO, MT, NE, NV, NH, NC, ND, OH, OK, OR, PA, SC, TN, VT, WV, WI. Coverage can be placed on an admitted or non-admitted basis depending on the state and specific risk characteristics. Why Partner With Caitlin Morgan? As a wholesale broker with deep experience in niche commercial markets, Caitlin Morgan provides responsive underwriting guidance and access to multiple carrier markets for wood-products risks. Their team focuses on practical solutions for complex property and liability exposures and helps you structure packaged placements that save time and reduce coverage gaps. For more information about property, general liability, and automobile coverage levels and enhancements, 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?Ideal accounts include sawmills, cabinet and millwork manufacturers, lumberyards, and building material distributors with stable operations and active on-site ownership. What coverages are included in the Lumber Specialty program?The program can include property, general liability, inland marine, commercial auto, workers' compensation, crime, equipment breakdown, and EPLI, combined into a single package when appropriate. Is this program available on an admitted basis?Yes. Coverage is available on an admitted or non-admitted basis depending on the state and the specific risk profile of the account. Which states is this program available in?The program is available in over 30 states including IL, IN, GA, MO, NC, PA, and WI. Contact Caitlin Morgan for full state availability and placement options. How long does an account need to be in business to qualify?Accounts should generally have more than three years of continuous operation to be considered for this program. Need help placing an account? Connect with a market specialist.

... and multi-service senior living operators Whether you represent a fa...

Coverage available for Large Physicians & Surgeons Groups, Hospital Staff Primary or Excess Professional Liability Claims Made or Occurrence Form Primary Limits up to $250,000/$1,250,000 Participation in the Patient Compensation Fund (PCF) No minimum premium Extended Reporting Period Available Optional SIR's Available Defense Costs Outside Policy Limits A Rated Carrier (by A. M. Best) Indiana Only Medical Malpractice Program Contact: Chris Murray P: 800-723-7475, Ext. 233 [email protected] Overview — Caitlin Morgan Insurance Services Medical Malpractice Program This program, offered by Caitlin Morgan Insurance Services and backed by an A-rated carrier (Midwest Insurance Group), provides primary and excess medical professional liability solutions for physician groups and hospital staff in Indiana. The program supports both claims-made and occurrence forms and can participate with the Patient Compensation Fund (PCF) where required. It is designed for larger group placements and institutional staffing exposures that need flexible limit structures and defensive cost handling outside policy limits. Ideal Accounts and Appetite Large physician and surgeon groups (multi-specialty or single specialty practices). Hospital staff panels and hospital-affiliated physician groups. Accounts that require primary or excess layers, including optional Self-Insured Retention (SIR) structures. Organizations that need participation with Indiana’s Patient Compensation Fund. Less likely to fit: solo practitioners with unusual high-risk procedure profiles, newly formed entities without loss history, or out-of-state risks (this program is Indiana only). Coverage Highlights and Advantages Primary and excess professional liability available; choose claims-made or occurrence forms to match client needs. Primary limits up to $250,000/$1,250,000 with options for higher excess layering. Defense costs are handled outside the policy limits, preserving limits for indemnity. Extended reporting period options and participation in PCF for Indiana exposures. No stated minimum premium requirement, which helps with flexible account structuring. Optional SIRs available to tailor pricing and retention to the client’s risk appetite. Underwritten by an A.M. Best A-rated carrier through a captive arrangement, giving access to stable capacity for qualifying accounts. Underwriting Notes and Submission Requirements Underwriters will review: practice size and composition, specialty mix, recent claims/loss history, risk management and credentialing processes, and hospital affiliations. Typical submissions should include the most recent application, loss runs (preferably 5 years), and a current physician roster with FTEs and specialty classifications. Be prepared to discuss PCF participation for Indiana placements. Territories and Placement This program is available for risks domiciled and operating in Indiana (IN) only. Because program structure and PCF participation are state specific, out-of-state risks should be submitted to other markets. Why Place This Business With Caitlin Morgan Insurance Services Caitlin Morgan offers focused underwriting and program administration for complex physician and hospital staff placements. You’ll have access to Midwest Insurance Group capacity through a captive structure—useful for larger groups that need flexible limits, SIR options, and PCF coordination. The program is aimed at agents who need a reliable admitted solution for Indiana medical professional liability with strong claims handling and defense cost features. Example Accounts You have a 25-physician multi-specialty group affiliated with a hospital system seeking primary limits and excess layering with PCF participation — this program can provide a tailored admitted solution in Indiana. A hospital is consolidating its staff panels and needs a professional liability placement that allows optional SIRs and extended reporting period options — this program is a fit for that institutional appetite. Frequently Asked Questions What types of accounts are a good fit for this medical malpractice program?Large physician groups, surgeon panels, and hospital staff organizations domiciled in Indiana that need primary or excess professional liability with flexible limits, SIR options, and PCF participation. Which policy forms and limits are available?Both claims-made and occurrence forms are available. Primary limits are available up to $250,000/$1,250,000 with excess layering options and selectable SIRs. Is this program available outside Indiana?No. This program is specifically structured for risks in Indiana and coordinates with the state’s Patient Compensation Fund when applicable. What submission materials should I include to speed underwriting?Provide a completed application, up to five years of loss runs, a current physician roster with specialties and FTEs, and details on credentialing and risk management practices. Who do I contact to submit or get a quote?Contact Caitlin Morgan’s program representative listed on this storefront for placement guidance and submission instructions. Need help placing an account? Connect with a market specialist.