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Caitlin Morgan Insurance Services offers a focused Excess Workers Compensation Insurance program for retail brokers who need strong market access and flexible solutions. Our team has a long track record placing excess workers’ compensation for individual self-insured entities and group self-insurance programs across a wide range of industries. Ideal Accounts and Appetite This program is designed for employers and group self-insured entities that maintain a qualified self-insured retention and require protection above that attachment. Target accounts include municipalities, healthcare systems, manufacturing operations, transportation and logistics companies, and other organizations with strong safety programs and active risk management. If your client has a self-insured retention and needs catastrophic loss protection, this excess program is a practical option. Coverage Highlights and Advantages Multiple limit options available, including limits up to statutory requirements Minimum attachment point of $300,000 per accident Written in excess of a qualified self-insured retention Aggregate protection available where appropriate Optional Cash-Flow Endorsement to assist with capital and premium timing Key Competitive Advantages Access to a panel of A-rated carriers Creative underwriting for complex or hard-to-place risks Flexible terms tailored to each client’s exposure and funding structure Competitive commission structures for retail partners Underwriting Notes The program requires a minimum attachment point of $300,000 per accident and is only available in excess of a qualified self-insured retention. We partner with agents to structure excess layers—providing per-occurrence and aggregate forms when appropriate—and to evaluate captive or pooled arrangements where applicable. Territories and Availability Available in all 50 states and the District of Columbia. We can access both admitted and non-admitted markets depending on the client’s jurisdiction and risk profile. Why Work With Caitlin Morgan As a wholesale broker specializing in self-insured workers’ compensation programs, Caitlin Morgan delivers market access, underwriting insight, and placement experience. Our team understands the technical and financial needs of self-insured sponsors—whether a single employer or a group program—and works with reputable carriers to secure competitive, tailored excess placements. Contact: Chris Murray P: 800-723-7475, Ext. 233 [email protected] Frequently Asked Questions What types of accounts are a good fit for this Excess Workers Compensation program?This program fits individual employers and group self-insured entities with a qualified self-insured retention. Target industries include municipalities, healthcare, manufacturing, and transportation. What is the minimum attachment point for coverage?The minimum attachment point is $300,000 per accident. Coverage is provided in excess of a qualified self-insured retention. Are aggregate limits and endorsements available?Yes. Aggregate protection is available, and a Cash-Flow Endorsement can be added to support a client’s financial planning needs. Can this program be written in all states?Yes. Coverage can be placed in all 50 states and the District of Columbia, with access to admitted and non-admitted markets as appropriate for the jurisdiction. What carriers does Caitlin Morgan work with for this program?We work with a range of A-rated carriers to deliver flexible and competitive excess workers’ compensation solutions. Need help placing an account? Connect with a market specialist.

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.

Caitlin-Morgan offers Managed Care Risk insurance solutions designed for health plan organizations and managed-care entities. Call us today to discuss placement options, capacity, and tailored terms for your clients. Lines of Business: Managed Care Risk Solutions (claims-made) Directors & Officers (D&O) Security & Privacy (cyber/privacy liability) Overview of the Program from Caitlin-Morgan Caitlin-Morgan, operating as a wholesale broker, places Managed Care Risk insurance for a wide range of plan sponsors and care organizations. The program is designed to address liability arising from managed-care operations, network contracting, utilization review, credentialing, claims administration and related corporate governance exposures. Coverage is offered on claims-made forms with flexible limits and deductible structures to suit different risk profiles. Ideal Accounts and Appetite Health Maintenance Organizations (HMOs) and Dental Maintenance Organizations (DMOs) Independent Physician Associations (IPAs), Physicians Hospital Organizations (PHOs) and Medical Service Organizations (MSOs) Preferred Provider Organizations (PPOs), Vision Plans and Third-Party Administrators (TPAs) Organizations with professional and management liability exposures tied to provider contracting, utilization management, regulatory compliance and privacy/security incidents The program typically fits mid-size to larger managed care entities and networks. There is more limited appetite for single-provider practices or organizations without formal governance, unless other risk controls and loss histories are favorable. Coverage Highlights and Advantages Available limits up to $25M on claims-made forms; $10M capacity is also offered per program terms. Defense costs are inside the aggregate limit where indicated; broad coverage terms to address professional, management and network-related liabilities. Cyber/privacy and D&O options available to create layered placements for comprehensive protection. Flexible deductible options to align with client risk retention: ranges shown below reflect typical carrier structures across appetite tiers. Underwriting Notes and Minimum Premiums Minimum premiums and deductibles vary by account type: HMOs often carry higher minimums and larger deductibles (examples in market materials). Market information (examples from available carriers): $25K minimum premium for HMOs (other entity types from $7,500), $5K and $500 minimums appear on selected programs; deductibles commonly range from $7,500 up to $250K depending on carrier and HMO vs. non-HMO structure. All placements are subject to underwriting review. Typical submission requirements include business description, enrollment/claims volumes, loss history, provider contracts, and information about compliance and utilization review processes. Territories and Availability This program is available in all states listed on our storefront, including 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 and WY. Admitted and non-admitted options may be considered depending on state and carrier appetite; Caitlin-Morgan will advise on best routing. Why Work with Caitlin-Morgan on Managed Care Risk Wholesale broker access to multiple carriers and program administrators for layered placements. Specialized knowledge of managed care exposures and the documentation insurers require for underwriting. Ability to present cohesive placements combining managed-care professional liability with D&O and cyber/privacy coverages. Example Accounts That Fit This Program A regional HMO with 50,000+ members seeking $10M–$25M limits and a deductible aligned to its risk tolerance; needs both professional liability and D&O protection for the governing board. An IPA/MSO that manages network contracting and claims administration for multiple physician groups, seeking limits and privacy/cyber coverage to address claims from network disputes or data incidents. Available Carriers Various carriers and program administrators participate in this offering. Caitlin-Morgan will identify optimal markets based on the account profile and desired structure. Frequently Asked Questions What types of managed care organizations are a good fit for this program?This program targets HMOs, DMOs, IPAs, PHOs, PPOs, MSOs, TPAs and vision plans—generally mid-size to large organizations with formal governance, provider networks, and claims administration functions. What limits and deductible structures are available?Markets accessible through Caitlin-Morgan offer limits up to $25M (claims-made). Deductibles and minimum premiums vary by carrier and account type; HMOs typically carry higher minimums and larger deductible ranges than other classes. What submission information will underwriters expect?Prepare a summary of operations, enrollment or service volumes, copies of provider contracts, recent loss runs, details on utilization review and compliance programs, and any information on cyber/privacy controls if you seek layered coverage. Are admitted options available?Both admitted and non-admitted solutions may be considered depending on state jurisdiction and carrier appetite. Caitlin-Morgan will recommend the appropriate admitted or non-admitted placement strategy for each account. Need help placing an account? Connect with a market specialist.

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