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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...

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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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Caitlin Morgan Insurance Services offers a specialized program designed to help agents and brokers place coverage for a wide range of miscellaneous healthcare facilities. With access to various carriers and availability in all 50 states, this program addresses the unique risks found in non-hospital healthcare settings. Whether you're working with a standalone facility or a growing outpatient network, Caitlin Morgan provides the underwriting expertise and market access to support your client's needs. Ideal Accounts and Appetite This program is designed for a broad mix of healthcare-related facilities that typically fall outside traditional hospital or physician office categories. Examples of target facilities include: Diagnostic Radiology Weight Loss Dialysis Substance Abuse Bariatrics Women's Health Cancer Research Outpatient Care Community Health Surgi-Centers Fertility Medical Spas Lasik Hospice Birthing Centers Blood/OPO/Tissue Banks Disease Management Pharmacies/Drug Wholesalers Medical Rehabilitation Dental Clinics Telemedicine Prescription Benefit Management Companies These facilities often face complex liability exposures due to the nature of their services and the professionals they employ. The program can accommodate both smaller operations and larger, multi-location practices. Coverage Highlights and Advantages Professional Liability $1M/$3M standard limits available (customized limits on request) Deductibles starting at $0 Minimum premium of $2,500 Coverage available for employed physicians Pure claims-made form with prior acts coverage (broader than claims-made and reported) Defense costs can be inside or outside policy limits General Liability $1M/$3M standard limits available Separate limits for general and professional liability Only offered with professional liability coverage Underwriting Notes and Minimum Premiums The program requires a minimum premium of $2,500, with deductibles starting at $0. Caitlin Morgan can tailor limits and terms to meet unique client needs. Risks are evaluated on a case-by-case basis, with the flexibility to consider a wide range of facility types and operations. Territories and Availability This program is available in all 50 states, including Washington D.C. Caitlin Morgan works with a variety of carriers to secure admitted and non-admitted solutions depending on the client’s location and risk profile. Why Work With Caitlin Morgan Insurance Services? Caitlin Morgan has extensive experience in placing coverage for niche healthcare operations. As a wholesale broker, they offer market access and underwriting insight you can rely on. Their team understands the distinct exposures faced by outpatient and specialized care facilities and works with agents to produce competitive, appropriate solutions for their clients. Whether you're helping a startup telemedicine provider or a well-established dialysis center expand operations, Caitlin Morgan provides support throughout the submission and placement process. Contact: Linda WinzenreadP: (800)723-7475, Ext.241 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for outpatient centers, specialty clinics, and healthcare service providers such as diagnostic labs, dialysis centers, medical spas, and substance abuse treatment facilities. Can employed physicians be included in the coverage?Yes, the program offers professional liability coverage for employed physicians working in the insured facility. Is general liability coverage available as a standalone option?No, general liability is only available when packaged with professional liability coverage under this program. What is the minimum premium for this program?The minimum premium starts at $2,500, with deductibles beginning at $0, depending on the risk profile and coverage selected. In which states is this program available?This program is available in all 50 states and Washington D.C., offering both admitted and non-admitted options based on the specific risk and location. 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 specialized program designed to serve the unique insurance needs of nursing homes, assisted living facilities, and senior care operations throughout the Midwest. This program is backed by Midwest Insurance Group (MIG), a member-owned Risk Retention Group (RRG) formed under the Liability Risk Retention Act (LRRA). MIG was created to provide a stable and cost-effective alternative to the rising liability premiums in the healthcare sector. As an independent agent or broker, you can access a reliable and tailored insurance solution for your clients operating skilled nursing or assisted living facilities. This program focuses on delivering consistency in underwriting, competitive pricing, and long-term coverage stability in a challenging line of business. Ideal Accounts and Appetite The program is designed for small to mid-sized senior care facilities that demonstrate strong management practices and a commitment to risk mitigation. Ideal accounts include: Skilled nursing facilities Assisted living and memory care centers Independent living communities with healthcare components Continuing care retirement communities (CCRCs) Facilities with a clean loss history, strong compliance track records, and effective staff training programs are especially attractive. You might have a client operating a 75-bed assisted living facility in Indiana looking for long-term liability protection—this program is built for them. Coverage Highlights and Advantages The program provides both Professional Liability and General Liability coverage tailored for healthcare and senior care exposures. Key benefits include: Stable, long-term underwriting approach from a member-owned RRG Coverage designed specifically for healthcare facilities Consistent availability in an often-volatile liability market Experienced claims handling and risk management consultation Through MIG, your clients participate in a risk-sharing model that aligns the interests of insureds and underwriters, promoting long-term rate stability and proactive risk control. Underwriting Notes All submissions are reviewed individually, with a focus on operational quality and claims history. While no specific minimum premium is listed, accounts should reflect financially viable operations with an emphasis on quality care and regulatory compliance. Facilities with recent major violations or high loss frequency may not qualify. Territories and Availability This program is available in the following Midwest states: Illinois (IL) Indiana (IN) Michigan (MI) Ohio (OH) All available states are supported with appropriate filings under the RRG structure. Why Work With Caitlin Morgan Insurance Services? Caitlin Morgan Insurance Services brings deep expertise in healthcare and senior living risks. As the exclusive access point to the MIG program, they provide underwriting insight, fast turnaround times, and dedicated support for agents placing long-term care risks. Whether you’re working with a single-location facility or a small group operator, Caitlin Morgan delivers tailored solutions that go beyond standard liability coverage. 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?This program is ideal for skilled nursing facilities, assisted living centers, and senior care facilities with good management practices and clean loss histories in IL, IN, MI, and OH. What types of coverage are included?The program offers both Professional Liability and General Liability coverage tailored to the needs of long-term care and senior living operations. Is the program admitted or non-admitted?This is a Risk Retention Group (RRG) program available in all listed states under the Liability Risk Retention Act. It is not admitted in the traditional sense but is fully authorized to operate in those states. Can I submit a facility with a recent claim?Facilities with recent claims may be considered, but accounts with high frequency or severity of losses may not qualify. A strong focus on current risk controls is essential. Who underwrites this program?The program is underwritten by Midwest Insurance Group (MIG), a member-owned Risk Retention Group specializing in healthcare liability coverage. Need help placing an account? Connect with a market specialist.

Midwest Nursing Homes & Assisted Living Facilities Insurance Program Caitlin Morgan Insurance Services offers a specialized program designed to serve the unique insurance needs of nursing homes, assisted living facilities, and senior care operations throughout the Midwest. This program is backed by Midwest Insurance Group (MIG), a member-owned Risk Retention Group (RRG) formed under the Liability Risk Retention Act (LRRA). MIG was created to provide a stable and cost-effective alternative to the rising liability premiums in the healthcare sector. As an independent agent or broker, you can access a reliable and tailored insurance solution for your clients operating skilled nursing or assisted living facilities. This program focuses on delivering consistency in underwriting, competitive pricing, and long-term coverage stability in a challenging line of business. Ideal Accounts and Appetite The program is designed for small to mid-sized senior care facilities that demonstrate strong management practices and a commitment to risk mitigation. Ideal accounts include: Skilled nursing facilities Assisted living and memory care centers Independent living communities with healthcare components Continuing care retirement communities (CCRCs) Facilities with a clean loss history, strong compliance track records, and effective staff training programs are especially attractive. You might have a client operating a 75-bed assisted living facility in Indiana looking for long-term liability protection—this program is built for them. Coverage Highlights and Advantages The program provides both Professional Liability and General Liability coverage tailored for healthcare and senior care exposures. Key benefits include: Stable, long-term underwriting approach from a member-owned RRG Coverage designed specifically for healthcare facilities Consistent availability in an often-volatile liability market Experienced claims handling and risk management consultation Through MIG, your clients participate in a risk-sharing model that aligns the interests of insureds and underwriters, promoting long-term rate stability and proactive risk control. Underwriting Notes All submissions are reviewed individually, with a focus on operational quality and claims history. While no specific minimum premium is listed, accounts should reflect financially viable operations with an emphasis on quality care and regulatory compliance. Facilities with recent major violations or high loss frequency may not qualify. Territories and Availability This program is available in the following Midwest states: Illinois (IL) Indiana (IN) Michigan (MI) Ohio (OH) All available states are supported with appropriate filings under the RRG structure. Why Work With Caitlin Morgan Insurance Services? Caitlin Morgan Insurance Services brings deep expertise in healthcare and senior living risks. As the exclusive access point to the MIG program, they provide underwriting insight, fast turnaround times, and dedicated support for agents placing long-term care risks. Whether you’re working with a single-location facility or a small group operator, Caitlin Morgan delivers tailored solutions that go beyond standard liability coverage. 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?This program is ideal for skilled nursing facilities, assisted living centers, and senior care facilities with good management practices and clean loss histories in IL, IN, MI, and OH. What types of coverage are included?The program offers both Professional Liability and General Liability coverage tailored to the needs of long-term care and senior living operations. Is the program admitted or non-admitted?This is a Risk Retention Group (RRG) program available in all listed states under the Liability Risk Retention Act. It is not admitted in the traditional sense but is fully authorized to operate in those states. Can I submit a facility with a recent claim?Facilities with recent claims may be considered, but accounts with high frequency or severity of losses may not qualify. A strong focus on current risk controls is essential. Who underwrites this program?The program is underwritten by Midwest Insurance Group (MIG), a member-owned Risk Retention Group specializing in healthcare liability coverage. Need help placing an account? Connect with a market specialist.