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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.

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 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.

Self-insurance for workers’ compensation is a strategic choice to retain and fund losses directly instead of transferring them to a traditional carrier. Unlike standard policies, an individual self-insurance program requires a formal plan to pay claims as they occur—using operating cash or a dedicated reserve—along with compliance steps to meet state requirements. Caitlin Morgan Insurance Services helps agents and brokers evaluate, design and place Individual Self-Insurance Workers' Compensation programs. Our team brings programmatic experience and market access to guide you through feasibility analysis, regulatory filings, actuarial review, and vendor selection so your client’s program is structured and compliant from day one. Ideal Accounts and Appetite This solution is built for larger, financially stable employers that can demonstrate strong claims and safety management. Typical fits include manufacturers, large healthcare operations, colleges and universities, and sizable service organizations with robust loss-control programs. You might have a client with 500+ employees facing escalating premiums and limited control over claims handling — an individual self-insurance program can give them transparency, control, and potential long-term savings. Coverage Highlights and Advantages Self-insurance gives your client direct control over claims administration, loss prevention, and cash flow. Key benefits include: Customizable claims handling and selection of third-party administrators (TPAs) Improved cash flow and the ability to tailor reserve management Greater emphasis on workplace safety and loss prevention initiatives Potential cost savings over time for low-loss employers Applicants must also satisfy state-specific requirements such as surety bonds, reserve funding and periodic reporting. Caitlin Morgan supports compliance, actuarial review and provider selection to help ensure a sustainable program. Underwriting Notes Each submission begins with a feasibility and financial analysis. Underwriting looks at claims history, financial strength, industry exposures, safety programs and risk tolerance. There is no fixed minimum premium published here; applicants must show the financial capacity to fund losses and meet state reserve obligations. Territories and Availability Caitlin Morgan’s Individual Self-Insurance Workers’ Compensation Solutions are available nationwide, including all 50 states and the District of Columbia. We place both admitted and non-admitted structures depending on state rules and client profile. Why Work With Caitlin Morgan Insurance Services? As a Managing General Underwriter and Excess & Surplus Lines Broker, Caitlin Morgan offers focused expertise in alternative risk solutions. We provide hands-on support through the full lifecycle—feasibility assessment, program design, regulatory submission, TPA selection and ongoing program oversight. Our market relationships and technical experience help you place complex large-account workers’ compensation programs with confidence. Contact: Gerry Dumke P: (800)723-7475, Ext. 280 [email protected] Frequently Asked Questions What types of accounts are a good fit for this self-insurance program?Large employers in industries such as manufacturing, healthcare, education and certain service sectors with strong financials and active loss-control programs are the best fit. Does Caitlin Morgan assist with claims administration for self-insured clients?Yes. We help you select and manage third-party administrators (TPAs) to ensure efficient, compliant claims handling tailored to the client’s program. What are the main advantages of self-insuring workers’ compensation?Self-insurance provides greater control over claims, improved cash flow management, stronger alignment with safety programs and potential long-term cost savings for well-managed employers. Is this program available nationwide?Yes. Caitlin Morgan supports individual self-insurance placements in all 50 states and the District of Columbia, with admitted or non-admitted options as appropriate. What financial requirements must a company meet to qualify?Applicants must demonstrate financial stability and the ability to fund claims and reserves consistent with state regulations. We perform a detailed financial and feasibility analysis for each submission. Need help placing an account? Connect with a market specialist.

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