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UPA, offered through U.S. Risk Insurance Group, is a specialized market for placing workers’ compensation coverage for clients in the hospitality industry. Built for hotels, restaurants, resorts and related operations, this program pairs tailored underwriting with access to financially strong carriers and responsive service. Whether you represent a single-location boutique hotel or a multi-state resort group, UPA helps you secure appropriate coverage while supporting long-term risk management and claims cost control. Ideal Accounts and Appetite Hotels – including premier full-service and boutique properties Resorts and spas Bed and breakfasts Restaurants and casinos This program fits both single-location operations and multi-location, multi-state portfolios. UPA will consider accounts coming out of PEO arrangements and risks with elevated experience modification factors, which makes it a flexible option for brokers handling challenging or transitional accounts. Coverage Highlights and Advantages Monoline workers’ compensation solution focused on hospitality exposures UPAY-As-You-Go premium payment option to improve client cash flow Placement with A-rated carriers that have national reach Loss control resources — manuals, safety tips and operational checklists tailored to hospitality Experienced claims handling focused on reducing total claim costs and return-to-work outcomes UPA is positioned to give your clients more than a policy — it is a program that supports safer workplaces, stabilizes workers’ comp costs, and helps control frequency and severity over time. Underwriting Notes and Submission Requirements Multi-location and multi-state risks are welcome Accounts with higher experience mods and PEO exits are considered To submit a risk, include: Completed ACORD application 3–5 years of currently valued loss runs Mod worksheet and large account supplemental for risks with over $75,000 in annual premium Territories and Availability Available in all 50 states and Washington, DC. UPA leverages national carrier relationships to place single-state and multi-state programs. Why Work With U.S. Risk on Hospitality Workers' Comp? U.S. Risk Insurance Group is a wholesale broker with deep hospitality expertise. Through UPA you get a dedicated underwriting team, flexible guidelines for complex loss histories, and practical loss control support designed for hospitality operations. Example scenarios where UPA is a strong fit: A regional boutique hotel chain seeking consistent compensation terms across three states while improving workplace safety programs. A restaurant group transitioning off a PEO with a higher mod factor that needs access to A-rated capacity and targeted loss control. If you need help placing an account or want guidance on submission strategy, connect with a U.S. Risk market specialist who knows hospitality workers' comp. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, resorts, spas, restaurants, casinos, and other hospitality-related businesses, including multi-location and multi-state operations. Can I submit accounts with high experience mods?Yes, UPA can consider accounts with higher experience mods, including those emerging from PEO arrangements or with challenging loss histories. What documents are required to submit a risk?Submissions should include a completed ACORD application, 3–5 years of currently valued loss runs, and a mod worksheet with a large account supplemental if premium exceeds $75,000 annually. Is this program available nationwide?Yes, the program is available in all 50 states and Washington, DC, with access to national A-rated carriers. What are the key benefits for my hospitality clients?Clients benefit from strong carrier options, loss control support, flexible payment options like UPAY-As-You-Go, and proactive claims handling. Need help placing an account? Connect with a market specialist.

Leavitt Recreation and Hospitality offers a 2-day turnaround on quotes for Bed and Breakfast Insurance! Bed and Breakfast Insurance Program from Leavitt Recreation and Hospitality Leavitt Recreation and Hospitality Insurance, Inc. (LRHI) offers a specialized Bed and Breakfast Insurance program tailored for owner-occupied and innkeeper-managed properties across a wide range of U.S. states. With deep expertise in hospitality and recreation risks, LRHI understands the unique exposures that come with operating charming, customer-facing businesses like B&Bs and vacation rentals. This program provides flexible coverage options and fast turnaround—quotes in 2 days and binding in as little as 1 day—making it an ideal solution for busy agents. Ideal Accounts and Appetite This program is designed for a variety of hospitality risks, including: Owner-occupied bed and breakfast properties Inns managed by an innkeeper or third-party manager Vacation rentals (including seasonal operations) Properties located in Protection Class 9 and 10 areas Whether your client operates a year-round B&B or a seasonal mountain inn open for 12 or more consecutive weeks, LRHI can accommodate various occupancy schedules. Properties must be winterized if unoccupied during off-season months. Coverage Highlights and Advantages Leavitt’s Bed and Breakfast program offers broad and customizable coverage options that address both personal and business exposures: Liability limits up to $1,000,000 Medical Payments up to $10,000 Loss of Use coverage for owner-occupied risks Personal Injury Protection Restaurant and host liquor liability available Scheduled personal property (fine arts, furs, jewelry, guns) Replacement Cost coverage for buildings up to 50 years old (with updates in the last 20 years) Functional Replacement Cost for buildings older than 50 years Owner-occupied properties are eligible for coverage on both personal and business personal property, making this an ideal solution for hybrid-residential operations. Underwriting Highlights and Minimum Premium LRHI’s in-house underwriting authority allows them to quote, bind, and issue policies quickly—often within 24 hours for risks with total insured values (TIV) under $3 million. This flexibility is ideal for agents who need fast answers and efficient placement for unique hospitality accounts. Minimum premiums vary based on location, occupancy, and coverage needs. Contact LRHI for a tailored quote. Territories and Availability This non-admitted program is available in the following states: AL, AZ, AR, CO, CT, DE, GA, HI, ID, IN, KS, LA, ME, MD, MI, MS, MO, MT, NE, NJ, NM, NY, NC, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WY Why Work With Leavitt Recreation and Hospitality Insurance With decades of experience in hospitality and recreational risks, Leavitt Recreation and Hospitality brings targeted underwriting knowledge, reliable carrier markets, and responsive service to help agents succeed. The ability to bind quickly, handle unique property types, and offer flexible coverage options makes this program a go-to solution for agents serving the B&B and vacation rental space. For all of your Bed and Breakfast Insurance risks, contact Leavitt today! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for owner-occupied bed and breakfasts, inns managed by innkeepers, and vacation rental properties, including those in rural or high protection class areas. Can this program handle seasonal or part-time operations?Yes. Properties that operate for at least 12 consecutive weeks can be considered. If the property is unoccupied during the off-season, it must be properly winterized. What coverage is available for older buildings?Buildings over 50 years old are written on a Functional Replacement Cost basis. Properties less than 50 years old that have been updated in the last 20 years may qualify for Replacement Cost coverage. How quickly can I get a quote or bind coverage?LRHI typically provides quotes within 2 business days. For risks under $3 million TIV, binding and issuance can be done in as little as one day due to in-house authority. Is this an admitted or non-admitted program?This is a non-admitted program, offering flexibility in underwriting and coverage for unique or higher-risk accounts. Need help placing an account? Connect with a market specialist.

From upscale venues with valet parking and live entertainment to local bars with exotic performances, adult nightclub operations face a unique set of liability exposures. If your client owns or operates an adult nightclub—also known as a gentleman’s club or exotic club—they require specialized insurance that addresses the distinct risks of this niche hospitality segment. RMS Hospitality Group has developed a dedicated Adult Nightclubs insurance program designed to meet the specific needs of these businesses. As a Managing General Agency (MGA) with deep experience in hospitality and nightlife risks, we understand the nuances of insuring adult entertainment venues. Our tailored program offers comprehensive protection and responsive claims handling to help safeguard your clients from costly liability events. Ideal Accounts and Target Classes This program is ideal for: Adult nightclubs and gentlemen’s clubs Exotic dance venues with live entertainment Nightlife establishments with dance floors, food service, and liquor sales Clubs offering valet parking or hosting live music performances Whether your client operates a high-end club in a major metro area or a regional venue with a loyal following, we can help you find the right coverage solution. You might have a client who’s expanding their nightlife business and needs liquor liability coverage with excess limits—or one who’s had claims related to assault and battery and needs a carrier that won’t shy away from these risks. We can help in both cases. Coverage Highlights and Advantages Our Adult Nightclubs program includes essential liability protections tailored to the hospitality environment: Assault and Battery – Coverage for common exposures in nightclub settings Liquor Liability – Protects against alcohol-related claims General Liability – Core protection for premises and operations Excess Liability – Optional higher limits for broader protection Products and Completed Operations – Coverage for food/beverage service risks Non-Owned and Hired Auto Liability – For valet services and incidental auto exposures Limits of Insurance: Personal and Advertising Injury: Up to $1,000,000 Each Occurrence Limit: Up to $1,000,000 Products-Completed Operations Aggregate: Up to $2,000,000 Non-Owned and Hired Auto Liability: Up to $1,000,000 Medical Expense Limit: Excluded Underwriting and Minimum Premiums Minimum premiums vary depending on the size, location, and nature of your client's operations. Our underwriting team specializes in evaluating adult nightclub risks and understands the operational differences between club types. We offer fast turnarounds and work with you to find competitive, appropriately structured solutions. Territories and Availability This program is available in most states, including but not limited to CA, FL, TX, NY, IL, NV, NJ, GA, and AZ. We write on a non-admitted basis through various carrier partners experienced in liquor liability and assault and battery claims. Contact us for specific state availability and to discuss your client’s needs. Why Work With RMS Hospitality Group? At RMS Hospitality Group, we focus exclusively on hospitality-related risks and understand the challenges agents face when placing adult nightclub business. Our team brings years of underwriting experience, a deep carrier network, and a commitment to helping you deliver strong coverage and service to your clients. With access to risk mitigation tools and responsive claims support, we help you reduce your clients’ exposure to losses. To learn more about our Adult Nightclubs insurance program, visit our company profile or call us today to speak with one of our hospitality experts. With our experienced team in the hospitality insurance space, we put our expertise in motion to work for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Our Adult Nightclubs program is ideal for adult entertainment venues including gentlemen’s clubs, exotic dance clubs, and nightlife establishments that offer liquor, live performances, or valet parking. Does this program offer coverage for assault and battery claims?Yes, assault and battery coverage is a key component of this program and is essential for venues with high foot traffic and late-night operations. Are there any geographic restrictions for this program?This program is available in most states. Contact us to confirm availability in your client’s state. What types of entertainment or club features are eligible?We cover a wide range of features including dance floors, food service, live music, valet parking, and adult performances. Eligibility depends on underwriting review. Is this program written on an admitted or non-admitted basis?Most placements are on a non-admitted basis through carrier partners experienced in liquor liability and adult nightclub exposures. Need help placing an account? Connect with a market specialist.

A Fireman's Fund Program Since 1975, Leavitt Recreation & Hospitality Insurance has been a leading provider of insurance solutions for the RV park and campground industry. Our dedicated RV Park Insurance program is tailored to meet the unique needs of campgrounds, RV parks, and camping resorts across the country. With a deep understanding of the risks these businesses face, we offer comprehensive protection backed by top-rated carriers, including Fireman's Fund Insurance Company. Ideal Accounts and Appetite We work with independent agents and brokers to place a wide variety of RV park operations. Ideal accounts include: Privately owned RV parks and campgrounds Camping resorts and destination parks Sites with amenities such as pools, recreational facilities, and rental cabins We welcome both seasonal and year-round operations. Whether your client runs a small, family-owned site or a large resort-style campground, we can help find the right coverage fit. We offer preferred rates for well-maintained properties with strong risk management practices. Coverage Highlights and Advantages Our RV Park Insurance program provides broad protection for property, liability, and vehicles. Key coverages include: Property coverage for buildings, contents, and equipment General liability, including premises and operations Commercial auto and mobile equipment coverage Optional endorsements for recreational facilities and special events Loss of income and business interruption protection We offer exclusive coverage enhancements and prompt, responsive claims support. With over 1,200 camping resorts insured nationwide, we are the number one insurer in this niche market. Underwriting Notes and Minimum Premiums We underwrite through multiple "A"-rated carriers and offer flexible options for your clients. Minimum premiums vary based on the size and scope of the operation. Our team works closely with agents to evaluate each risk and structure competitive solutions. Preferred pricing is available for qualifying properties, and we are happy to review submissions of all sizes. Territories and Availability Our RV Park Insurance program is available in all 50 states and Washington, D.C. We are fully equipped to help agents place business from coast to coast, including both admitted and non-admitted markets where applicable. Why Work With Leavitt Recreation and Hospitality Insurance? With decades of experience and a specialized focus on the outdoor hospitality industry, Leavitt Recreation and Hospitality Insurance offers unmatched program knowledge and service. We understand the challenges RV park owners face and provide insurance solutions designed to protect their investments and operations. Our team delivers efficient underwriting, fast turnaround, and a commitment to helping agents grow their books of business in this niche. Let Leavitt Recreation and Hospitality handle your RV Park Insurance Program needs! Frequently Asked Questions What types of accounts are a good fit for this RV Park Insurance program?Privately owned RV parks, camping resorts, and campgrounds—especially those with recreational amenities—are ideal for this program. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C. Which carriers are used for this program?We place business through multiple "A"-rated carriers, including Fireman's Fund Insurance Company. Are both admitted and non-admitted markets available?Yes, we offer access to both admitted and non-admitted markets based on the risk and location. What is the minimum premium for this program?Minimum premiums vary depending on the size and type of operation. We can provide a customized quote based on your client’s needs. Need help placing an account? Connect with a market specialist.

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Convenience Stores Bars/Taverns Restaurants Hotels/Motels Nightclubs Gentlemen's Clubs

LIMITS OF INSURANCE GENERAL AGGREGATE LIMIT $2,000,000 PRODUCTS-COMPLETED OPERATIONS AGGREGATE $2,000,000 PERSONAL & ADVERTISING INJURY $1,000,000 EACH OCCURRENCE LIMIT $1,000,000 LIQUOR LIABILITY LIMIT $1,000,000 FIRE DAMAGE LIMIT (ANY ONE FIRE) $100,000 MEDICAL EXPENSE LIMIT EXCLUDED ASSAULT & BATTERY AVAILABLE UP TO $1,000,000 EXCESS LIMITS AVAILABLE UP TO $5,000,000 HIRED/NON OWNED AUTO LIABILITY LIMIT $1,000,000 All States except: Alaska, Vermont, W. Virginia Frequently Asked Questions What types of accounts are a good fit for the Live Music Venues program?This program is ideal for bars, nightclubs, lounges, and venues that regularly host live music performances and have liquor sales. Accounts with bouncers, dance floors, and late-night operations are considered. Are liquor liability and assault & battery coverage included?Yes, the program offers liquor liability and assault & battery coverage, each available up to $1,000,000, helping venues manage high-risk exposures tied to alcohol service and patron interactions. What states is this program available in?The program is available in most states except Alaska, Vermont, and West Virginia. RMS Hospitality Group provides access across a wide footprint including CA, TX, NY, FL, and many others. Can RMS Hospitality Group offer excess limits?Yes, excess limits are available up to $5,000,000, allowing agents to meet the needs of larger or higher-risk venues. What is the minimum premium for this program?Minimum premiums vary depending on the risk profile and location. Contact RMS Hospitality Group for underwriting criteria and pricing details. Need help placing an account? Connect with a market specialist.

At NorthWin Insurance Services Our Specialty Is Insuring the Hospitality Industry Overview — Hotel / Motel Insurance from NorthWin (offered through VAIL) VAIL (Value Added Insurance Lines) offers the Hotel / Motel Insurance program underwritten and administered by NorthWin Insurance Services. This program is built for independent agents and brokers who need a hospitality-focused market with flexible placement options, responsive underwriting, and targeted risk management for hotels, motels and other short-term lodging operations. What this program does for your clients NorthWin’s program provides broad commercial property, general liability, business income/extra expense, and ancillary hospitality extensions designed to address the common exposures of lodging operators. The program emphasizes practical coverages and service that help your insureds reduce loss frequency, manage reputational exposures, and protect revenue streams from interruption. Ideal Accounts and Appetite Limited- and select-service hotels, motels and motor inns Small-to-mid-size full-service and boutique properties Extended-stay and economy lodging operations Single-location owners and small multi-location portfolios Typical fits are locations with standard lodging exposures: transient occupancy, on-site common areas, limited food & beverage operations, and routine recreational amenities. The program is best for accounts with documented loss control practices and reasonable claims histories. Higher-hazard exposures (large resorts with extensive recreational/attraction operations, high-limit liquor liability exposures, or complex food & beverage operations) may require additional review or alternate markets. Coverage Highlights and Advantages Hospitality-focused forms and endorsements tailored to hotel/motel exposures Property coverage including building, business personal property, and business income General liability with hospitality-specific considerations (slip/trip, guest injuries, etc.) Optional coverages: crime, liquor liability, cyber/privacy, and equipment breakdown (subject to underwriting) Risk management resources and loss control guidance designed for lodging operations Underwriting Notes and Minimum Premiums Underwritten and administered through NorthWin as a specialty hospitality program. VAIL places this program as a Managing General Agency channel for agents seeking hospitality expertise and flexible options. There is no stated minimum premium for placement through this program (No minimum premium), though individual submissions are subject to standard underwriting review, documentation, and carrier appetite. Provide complete submission materials for faster turnaround: ACORD applications, current loss runs (past 3–5 years), occupancy and revenue details, and details of any on-site operations such as restaurants, pools or spas. Territories and Availability Available in all U.S. states and the District of Columbia. Placement options may include admitted and non-admitted capacity depending on the state and specific risk characteristics. Confirm state availability with VAIL underwriters for complex or high-limit placements. Why Work With VAIL and NorthWin on Hotel / Motel Business Specialized hospitality underwriting and program administration from NorthWin VAIL’s wholesale distribution and service model gives agents access to tailored forms and responsive quoting Support for agents with risk control resources and program documentation Streamlined submissions and access across all U.S. states Example scenarios where this program fits: you have a 60-room limited-service hotel looking for combined property and liability coverage with business income protection; or you represent a trio of motels under common ownership seeking a single-market placement with consistent forms and loss control services. Download the NorthWin program brochure. Covered Classes Hotel Insurance Motel Insurance Hospitality Insurance Frequently Asked Questions What types of hotel or motel accounts are a good fit for this program?The program is geared toward limited- and select-service hotels, motels, extended-stay properties, and small full-service or boutique inns. It works best for single-location or small multi-location owners with standard hospitality exposures and documented loss control practices. What submission materials speed up underwriting?Provide a completed ACORD application, current loss runs (3–5 years), occupancy and revenue summaries, and details on on-site exposures (restaurants, pools, spas). Clear, complete submissions reduce follow-up and speed decisioning. Is this available in my state and is coverage admitted?The program is available across all U.S. states and DC. Placement may be admitted or non-admitted depending on the state and the specific risk; check with VAIL underwriters for state-by-state capacity and options. Need help placing an account? Connect with a market specialist.

Caitlin Morgan Insurance Services offers a focused Medical Malpractice Insurance program designed for larger physician and surgeon groups, hospital staff, and affiliated medical practices in Indiana. This captive-backed program provides flexible primary and excess professional liability solutions through Midwest Insurance Group, with both claims-made and occurrence forms available. Overview of the Program From Caitlin Morgan Insurance Services This Medical Malpractice Insurance program is structured for agents who need an admitted-capacity offering in Indiana with a strong underwriting partner. The program supports complex physician group placements and hospital staff liability through primary limits up to $250,000/$1,250,000, optional self-insured retentions (SIRs), and extended reporting period options. Defense costs are paid outside the policy limits and the program participates in the Patient Compensation Fund (PCF). Ideal Accounts and Appetite Large physician and surgeon groups and multi-specialty practices Hospital staff and affiliated clinicians Practices seeking admitted paper with optional excess placement Accounts that can benefit from participation in the state PCF Generally not a fit: solo practitioners seeking only high-risk specialty coverage without hospital affiliation, accounts outside Indiana, or accounts requiring limits well above the stated primary limits without an appropriate excess structure. Coverage Highlights and Advantages Primary or excess professional liability — flexible placement options Choice of claims-made or occurrence policy forms Primary limits available up to $250,000 per claim / $1,250,000 aggregate Participation in the Patient Compensation Fund (PCF) No minimum premium required, allowing flexibility for larger consolidated programs Extended reporting period (tail) options available Optional SIRs to tailor pricing and retention strategies Defense costs paid outside policy limits Underwritten by an A-rated carrier partner (Midwest Insurance Group) Underwriting Notes and Submission Guidance Underwriting looks for consolidated exposure data, favorable risk management practices, and details on hospital privileges and credentialing. Include the following when you submit: current loss runs (minimum three years), list of providers with specialties, claims history summaries, and details on any risk management programs in place. Optional SIRs are available to help manage premium and retention — discuss SIR structures with the underwriter for larger groups. Territories and Licensing This program is available for accounts writing in Indiana only. The product is offered through Caitlin Morgan Insurance Services with capacity provided by Midwest Insurance Group. Please confirm admitted paper availability and state-specific requirements for each submission. Why Place Medical Malpractice with Caitlin Morgan Insurance Services Caitlin Morgan combines captive program flexibility with an experienced underwriting partner to serve larger physician groups and hospital staff. Agents benefit from tailored SIR options, an admitted-market solution in Indiana, and a carrier with an A.M. Best A rating. The program is designed to simplify placement for complex, multi-provider accounts while preserving important coverages like defense outside limits and PCF participation. Medical Malpractice Program Contact: Chris Murray P: 800-723-7475, Ext. 233 [email protected] Frequently Asked Questions What types of accounts are a good fit for this Medical Malpractice program?The program is geared toward large physician and surgeon groups, hospital staff, and multi-specialty practices operating in Indiana that need admitted coverage, flexible limits, and options like SIRs and extended reporting periods. Can I place both primary and excess layers through this program?Yes. The program supports primary and excess professional liability placements. Discuss desired limit structures and any excess placement needs with the underwriter at submission. What submission materials does underwriting require?Provide recent loss runs (preferably three years), a roster of providers and specialties, claims summaries, credentialing and privileging information, and details on any risk management or patient safety programs. Is this coverage available outside Indiana?No. This specific program is available for Indiana accounts only. Confirm state eligibility for each case before submission. Need help placing an account? Connect with a market specialist.

Comprehensive Property & Casualty Solutions for Niche Markets Caitlin Morgan Insurance Services offers a focused Property & Casualty program that helps agents and brokers place business across hospitality and senior care markets. As a wholesale broker with access to multiple carriers, Caitlin Morgan provides flexible, tailored solutions for clients with unique liability and property exposures. Target Classes and Ideal Risks This program is a strong fit for risks in the following sectors: Bars, taverns, and full-service restaurants — including operations with liquor exposure and entertainment Nursing homes Assisted living and independent living facilities You might have a client who operates a restaurant with a full bar, live entertainment and liquor exposure, or a regional owner managing multiple assisted-living locations — these are the types of accounts Caitlin Morgan routinely helps place. Coverage Highlights General Liability Available for hospitality accounts (including liquor liability) and for senior care operations. Limits and terms are tailored to the class and loss history. Property Coverage for buildings, contents, and business interruption exposures — suitable for nursing homes, assisted living facilities, bars, taverns, and restaurants. Professional Liability Specialized professional and clinical liability options are available for healthcare-related risks, including nursing homes and assisted/independent living communities. Underwriting and Market Access This offering is a non-admitted program, which provides flexibility for placing risks outside standard market appetites. Caitlin Morgan works with a panel of carriers to match each account to the appropriate market and has experience handling complex hospitality and healthcare exposures. Typical underwriting considerations include prior loss history, liquor service controls and training, staffing and clinical procedures for senior care, multi-location exposures, and physical protection measures for property risks. Territory The program is available in most U.S. states, including CA, FL, NY, TX, IL, and PA. Caitlin Morgan serves agents and brokers across the continental U.S., as well as Alaska, Hawaii, and Washington, D.C.; contact the team for specific state availability or filing questions. Why Choose Caitlin Morgan? Caitlin Morgan Insurance Services is a trusted wholesale broker with niche expertise in hospitality and senior care. Their team partners with agents to navigate complex underwriting requirements and to secure competitive solutions across multiple carriers. Whether you are placing a single-location tavern or a multi-site senior care portfolio, Caitlin Morgan brings market access and technical underwriting support to help you close the deal. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for bars, taverns, restaurants with liquor exposure, and senior living operations such as nursing homes, assisted living, and independent living facilities. Is this program available on an admitted basis?No. This is a non-admitted program, which allows for greater flexibility in underwriting and placement when admitted markets are not appropriate. Can I place multi-location risks through Caitlin Morgan?Yes. Caitlin Morgan can assist with multi-location accounts, particularly in healthcare and hospitality sectors where centralized underwriting and multistate placement are required. What coverages are included?Available coverages depend on class of business but commonly include general liability (with liquor liability where needed), property (building, contents, business interruption), and professional liability for healthcare operations. Which states is this program available in?The program is available in most U.S. states, including CA, NY, FL, TX, and others. Contact Caitlin Morgan for confirmation of availability in a specific state. Need help placing an account? Connect with a market specialist.