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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.

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.

Liquor Insurance — Caitlin Morgan Insurance Services Caitlin Morgan Insurance Services offers access to specialized Liquor Legal Liability coverage designed for retail alcohol exposures. Our wholesale brokerage placement options serve agents who need a market for bars, restaurants, clubs and similar operations where liquor exposure is a primary underwriting concern. We combine targeted appetite, flexible limits and industry-focused underwriting to help you place accounts that many general liability programs decline or restrict. Overview of the Program This program provides mono-line liquor liability placements with limits and features tailored for hospitality and club operations. Coverage is underwritten to address common alcohol-related exposures, including third-party bodily injury and property damage arising from service of alcohol. Caitlin Morgan works with multiple admitted and non-admitted carriers to provide capacity and flexibility for a range of account profiles. Ideal Accounts and Appetite This program targets accounts where liquor exposure is the primary risk. Typical fits include: Restaurants (with and without bars) Sports bars, taverns and neighborhood bars Private, golf and tennis clubs Caterers and venues that serve alcohol Bowling alleys and similar entertainment venues Accounts with strong loss controls, trained staff (RAMP/serving training), and clear policies for intoxication management are preferred. High-risk operations (e.g., unlicensed repeat violations, severe prior liquor losses, large-scale nightclubs with uncontrolled capacity) may be declined or require special terms. Coverage Highlights and Advantages $1M per occurrence liquor legal liability, with $2M aggregate limits available Per-location aggregate available for multi-location operations Assault and battery coverage included on accounts where liquor sales are under 55% Assault and battery buy back option for accounts over 55% liquor Minimum premium as low as $1,000 for eligible risks Underwriting Notes and Submission Requirements Provide the following to start a submission: three years of loss history, copy of the liquor license, schedule of locations and annual liquor receipts, details on security and staff training, and any incident policies. Underwriting will consider percentage of revenue from alcohol, hours of operation, patron capacity, and prior liquor-related claims or violations. Example placements you might have: a neighborhood restaurant with a modest bar seeking a mono-line liquor policy for a new location; or a private golf club requiring per-location aggregate limits and assault & battery options as part of their risk program. Territories and Admitted Status Available in all listed states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Positioning may be admitted or non-admitted depending on carrier and state filing—our team will advise on placement options for each account. Why Work With Caitlin Morgan Insurance Services As a wholesale broker focused on hospitality and liquor exposures, Caitlin Morgan offers broad carrier access and experienced underwriting support to help you place difficult liquor risks. We provide responsive quote turnarounds, flexible limit structures, and guidance on loss control measures that improve insurability. Use our Liquor Insurance program when you need a market that understands alcohol-related liability nuances and can tailor terms to your client’s operations. Frequently Asked Questions What types of accounts are a good fit for this liquor program?Restaurants with bars, sports bars, taverns, private clubs, golf and tennis clubs, caterers and similar hospitality venues where liquor exposure is the primary risk are good fits. Accounts should have a valid liquor license and basic loss control practices in place. What limits and endorsements are commonly available?The program offers $1M per occurrence liquor legal liability with $2M aggregate options, per-location aggregate for multi-sites, and assault & battery coverage (included or available as a buy-back depending on liquor revenue mix). What submission information does underwriting require?Underwriters typically want three years of loss history, the liquor license, annual liquor receipts or percentage of revenue from alcohol, description of security and staff training, and details on hours and capacity. Providing this up front speeds placement. In which states is this program available?Caitlin Morgan places liquor business across the listed states and DC. Availability as admitted or non-admitted depends on the carrier and the state—our desk will confirm options for your specific account. Need help placing an account? Connect with a market specialist.

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Midwest Nursing Homes & Assisted Living Facilities Insurance Program Caitlin Morgan Insurance Services offers a dedicated program that addresses the liability needs of nursing homes, assisted living facilities, memory care, and other senior care operations across the Midwest. The program is backed by Midwest Insurance Group (MIG), a member-owned Risk Retention Group (RRG) formed under the Liability Risk Retention Act. MIG was created to provide a stable, cost-effective alternative to rapidly rising liability costs in the healthcare sector. As an independent agent or broker, you can place long-term care accounts through Caitlin Morgan with underwriting tuned to the realities of senior living operations. The program emphasizes consistent underwriting, competitive liability placements, and coverage stability—important advantages in a volatile market for healthcare liability. Ideal Accounts and Appetite This program targets small- to mid-sized senior care providers that demonstrate strong operations and a commitment to risk control. Ideal placements include: Skilled nursing facilities Assisted living and memory care centers Independent living communities with healthcare components Continuing care retirement communities (CCRCs) Facilities with clean loss histories, solid regulatory compliance, and active staff training programs are preferred. For example, you might have a client running a 75-bed assisted living facility in Indiana who needs long-term professional and general liability protection—this program is built to serve that profile. Coverage Highlights and Advantages The program offers both Professional Liability and General Liability forms tailored to senior care exposures. Key advantages include: Member-owned RRG structure that supports long-term underwriting stability Coverage wordings and limits designed specifically for healthcare and senior living risks Consistent market availability when traditional liability markets are constrained Experienced claims handling and proactive risk management consultation Through the RRG model, insureds participate in a risk-sharing approach that aligns underwriters and members around loss control and rate stability. Underwriting Notes All submissions are reviewed on their own merits with emphasis on operational quality, staffing, training, and claims history. While there is no public minimum premium listed, accounts should reflect financially viable operations and a demonstrated focus on regulatory compliance. Facilities with recent major violations, repeat deficiencies, or high loss frequency are less likely to qualify unless there is clear evidence of corrective action and improved controls. Territories and Availability This program is available in the following Midwest states: Illinois (IL) Indiana (IN) Michigan (MI) Ohio (OH) Coverage is offered through the RRG structure and is supported with the necessary filings to operate in the listed states. Why Work With Caitlin Morgan Insurance Services? Caitlin Morgan Insurance Services specializes in healthcare and senior living risks and acts as the exclusive access point to the MIG program. Agents benefit from focused underwriting guidance, timely turnarounds, and hands-on support when placing long-term care liability. Whether you are submitting a single-location facility or a small group operator, Caitlin Morgan provides tailored solutions and a partner approach to risk placement and loss control. To learn more about the program or request a quote, visit our storefront or Caitlin Morgan’s company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Skilled nursing facilities, assisted living and memory care centers, CCRCs, and independent living communities with healthcare components that have solid management, clean loss histories, and strong compliance in IL, IN, MI, and OH. What types of coverage are included?The program provides both Professional Liability and General Liability coverage with forms and limits designed for long-term care and senior living exposures. Is the program admitted or non-admitted?This program is offered through a Risk Retention Group (MIG). It operates under the LRRA and is authorized to write business in the listed states; it is not an admitted carrier in the traditional sense. Can I submit a facility with a recent claim?Yes—facilities with recent claims may be considered. However, accounts with high frequency or severity of losses are less likely to qualify unless there is clear evidence of improved risk controls and remediation. Who underwrites this program?Midwest Insurance Group (MIG), a member-owned Risk Retention Group focused on healthcare liability, underwrites the program. Need help placing an account? Connect with a market specialist.

Caitlin Morgan Insurance Services offers a robust Captive Insurance Solutions program tailored for agents and brokers seeking alternative risk financing options for their clients. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Caitlin Morgan brings deep expertise in captive and rent-a-captive structures to help businesses gain more control over their insurance programs, manage risk more effectively, and reduce long-term insurance costs. Overview of the Program From Caitlin Morgan Insurance The Captive Insurance Solutions program is designed to support organizations looking for greater flexibility and more direct involvement in their insurance operations. Whether your client is seeking to stabilize costs, access reinsurance markets, or participate in underwriting profits, Caitlin Morgan provides turnkey solutions that are customized to meet unique risk profiles and financial objectives. With access to various carriers and reinsurance partners, Caitlin Morgan supports a range of captive models, including single-parent, group, and rent-a-captive programs. Their bundled services approach simplifies implementation and ongoing management, making captive strategies more accessible for a broader range of businesses. Ideal Accounts and Appetite This program is an excellent fit for mid-sized to large businesses with consistent loss histories and a proactive approach to risk management. Target industries include, but are not limited to: Healthcare facilities and senior living organizations Construction and real estate Manufacturing and distribution Educational institutions and nonprofits Transportation and logistics You might have a client with a strong safety program and predictable claims who is frustrated with fluctuating premiums—this captive solution can help them take more control of their insurance spend. Coverage Highlights and Advantages Key benefits include: Greater input and control over claims handling and risk management Lower net cost of insurance over time Flexible program design tailored to specific risk profiles Direct access to the reinsurance marketplace Opportunity to participate in underwriting and investment results Comprehensive, one-stop bundled services approach These advantages help insureds align their insurance program with long-term business objectives while gaining transparency and stability in pricing. Underwriting Notes and Minimum Premiums Each captive arrangement is customized, and underwriting is based on a detailed review of the insured’s loss history, financials, and operational practices. While there is no universal minimum premium listed, Caitlin Morgan typically works with accounts that are large enough to benefit from the economies of a captive model. Agents should be prepared to provide detailed submission data to determine fit. Territories and Availability This program is available in all U.S. states, including DC. Whether your client is based in California, Texas, New York, or anywhere in between, Caitlin Morgan can assist in structuring a compliant and effective captive solution. Why Work With Caitlin Morgan Insurance Services With decades of experience in alternative risk financing, Caitlin Morgan Insurance Services offers the knowledge, carrier access, and service infrastructure needed to support complex captive arrangements. Their team of specialists works closely with agents and brokers to craft tailored solutions that meet your clients’ operational and financial needs. From initial feasibility analysis to implementation and ongoing management, Caitlin Morgan is your partner in developing successful captive insurance strategies. Captive Solutions Contact: Chris Murray P: (800)723-7475, Ext. 233 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Businesses with predictable loss experience, strong risk management practices, and a desire for long-term insurance cost control are ideal candidates. Target industries include healthcare, manufacturing, transportation, and construction. What captive structures does Caitlin Morgan support?Caitlin Morgan supports single-parent captives, group captives, and rent-a-captive arrangements, depending on the client’s size, risk profile, and goals. How can a captive help lower insurance costs?Captives can reduce net insurance costs by allowing insureds to retain profitable underwriting results, access reinsurance markets, and better manage claims and loss control strategies. Can Caitlin Morgan help with captive feasibility studies?Yes, Caitlin Morgan offers a turnkey approach that includes feasibility analysis, program design, and implementation services to ensure the right fit for your client. Is this program available nationwide?Yes, Caitlin Morgan’s Captive Insurance Solutions are available in all U.S. states, including the District of Columbia. Need help placing an account? Connect with a market specialist.