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...rvices offers a focused Medical Malpractice Insurance program designed for lar...ts are a good fit for this Medical Malpractice program?The program is geared t...

Nursing Home Workers Compensation Dividend Program Caitlin Morgan Insurance Services, in partnership with RTW, offers a focused Nursing Home Workers' Compensation Dividend Program that helps agents place long-term care accounts with confidence. This group dividend program is built to control cost, reward strong safety performance, and improve workforce outcomes for nursing homes and skilled nursing facilities. Ideal Accounts and Appetite This program is designed specifically for nursing homes and skilled nursing facilities located in Indiana. It is a strong fit for facilities that demonstrate consistent risk management practices, invest in employee safety, and maintain reasonably stable claims experience. Single-site operators and multi-site groups that can meet the program’s minimum premium and loss-control expectations are appropriate candidates. Accounts that are outside long-term care, or those with frequent high-severity claims, unstable operations, significant regulatory issues, or recent severe losses, are unlikely to qualify. Coverage Highlights and Advantages Agents placing business through Caitlin Morgan’s Nursing Home Workers Compensation Dividend Program can offer clients several differentiated benefits, including: • Dividend payouts tied to group volume and loss performance • 5% association credit for eligible participants • Loss prevention services customized for nursing home operations • Access to RTW’s SelectRite pre-hire screening tool • Early identification and managed care for high-risk claims • Data-driven claim review to pinpoint the small share of claims that drive the majority of cost • Average claim costs and closure times that outperform industry benchmarks, helping reduce disability durations and improve staffing stability Underwriting Notes and Minimum Premiums This program is structured as a group dividend product and carries a minimum premium requirement of $25,000. Underwriting evaluates operational stability, safety programs, hiring and retention practices, and historical claims activity. Pre-submission conversations with underwriting are encouraged to confirm eligibility and speed placement. Territories and Availability The Nursing Home Workers Compensation Dividend Program is currently available in Indiana and is written on a non-admitted basis through RTW. Availability may be limited by location and by the program’s appetite for long-term care exposures. Why Work With Caitlin Morgan Insurance Services? Caitlin Morgan Insurance Services is a wholesale broker focused on healthcare programs, with particular experience in long-term care workers’ compensation. Our partnership with RTW gives agents access to an experienced claims-management team, industry-specific loss prevention tools, and a dividend structure that rewards performance. We provide responsive underwriting and market access for agents placing qualifying nursing home accounts. Example placement scenarios: You represent a mid-sized skilled nursing facility in Indiana with a stable claims record and an active safety program — this program can lower net cost through dividend opportunities and improved claim outcomes. You work with a multi-site long-term care operator seeking a group solution that rewards loss control and reduces disability durations to support staffing continuity — this program is designed for that type of risk. For more information on our Nursing Home Workers Compensation Dividend Program, contact us today! Frequently Asked Questions What types of accounts are a good fit for this program?Nursing homes and skilled nursing facilities in Indiana with strong safety practices and stable claims histories are ideal candidates. Is this program available outside of Indiana?No, the Nursing Home Workers Compensation Dividend Program is currently only available in Indiana. What is the minimum premium required to participate?The program requires a minimum premium of $25,000 for eligibility. What are the benefits of the dividend structure?Eligible participants may receive dividend payouts based on group loss performance and premium volume, offering potential cost savings over time. What services are included in the program?The program includes loss prevention consulting, pre-hire screening tools, claims analysis, and faster claims closure to improve outcomes for facilities. Need help placing an account? Connect with a market specialist.

...that arrange in-home care through nurses, certified nursing assistants, aides,...al Liability (medical/professional malpractice) coverage Optional Sexual Mis...

Nursing Home Insurance Coverage Caitlin Morgan Insurance Services offers a specialized Nursing Home Insurance program designed to help independent agents and brokers place coverage for long-term care facilities. With an in-house underwriter, legal nurse consultant, and a nurse/attorney on staff, Caitlin-Morgan delivers a high-touch underwriting process and deep industry expertise. This program is backed by respected nursing home insurance carriers and is structured to meet the complex needs of skilled nursing facilities and similar operations. Ideal Accounts and Appetite This program is ideal for: Nursing Homes Assisted Living Centers Continuing Care Retirement Communities (CCRCs) Whether you're working with a small regional facility or a multi-location care provider, Caitlin-Morgan can help you secure comprehensive coverage that addresses professional liability, staffing exposures, and resident care risks. Example placement scenarios include: A family-owned nursing home seeking broader coverage beyond general liability, including abuse and punitive damages protection. An expanding assisted living group needing per-location limits and evacuation coverage across multiple states. Coverage Highlights and Advantages This program includes a broad range of important coverages tailored to the long-term care industry: Limits from $250,000 to $1,000,000 per occurrence / $3,000,000 aggregate Limits written on a per location basis Coverage includes employees and volunteers Protection for the Administrator, Director of Nursing, Medical Director, and LLC members Available without exclusions for physical and sexual abuse and punitive damages Defense costs outside the liability limit Evacuation expense coverage – even when there's no property damage Underwriting Notes and Minimum Premiums Minimum premium varies based on account size and risk profile. Caitlin-Morgan takes a consultative approach to underwriting, with fast turnaround and personalized service. Submissions are reviewed by a multidisciplinary team, allowing for practical solutions even for complex risks. Territories and Availability This program is available in all 50 states and Washington, D.C. Caitlin-Morgan works with many national carriers and offers flexible options through a Risk Retention Group structure. Admitted and non-admitted solutions are available depending on the state and account needs. Why Work With Caitlin-Morgan Insurance Services? With years of experience in long-term care insurance, Caitlin-Morgan offers more than just market access. Their clinical and legal expertise sets them apart when evaluating claims potential, facility operations, and regulatory compliance. Agents benefit from: A dedicated team familiar with the healthcare and senior living industries Responsive underwriting and customized risk management support Established carrier relationships for competitive and stable coverage solutions To discuss a submission or learn more about placing business through Caitlin-Morgan, 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?This program is best suited for nursing homes, assisted living centers, and continuing care retirement communities looking for comprehensive liability and risk management solutions. Is coverage available in all states?Yes, Caitlin-Morgan offers this program in all 50 states and Washington, D.C. Are abuse and punitive damages covered?Yes, coverage is available without exclusions for physical and sexual abuse and punitive damages, subject to underwriting approval. What is the minimum premium for this program?The minimum premium varies depending on the size and complexity of the account. Contact Caitlin-Morgan for specific underwriting guidance. Who can I contact to submit a risk or ask questions?You can contact Linda Winzenread at 800-723-7475, Ext. 241 or email [email protected] for assistance. Need help placing an account? Connect with a market specialist.

...AS Insurance Services — Medical Malpractice Insurance (Allied Healthcare) N...uilt for brokers who need tailored malpractice solutions for allied providers,...

Insurance Coverage for Long Term Care Facilities Caitlin Morgan Insurance Services offers specialized insurance solutions tailored for Long Term Care and Assisted Living Facilities. With decades of industry experience, our team includes an in-house underwriter, a legal nurse consultant, and a nurse/attorney—all working together to craft comprehensive, customized coverage for your clients. We take a hands-on approach to risk management and underwriting, delivering superior service and fast turnaround for agents and brokers across the nation. Ideal Accounts and Appetite We provide insurance programs for a wide range of long-term care operations. Our ideal accounts include: Assisted Living Centers Continuing Care Retirement Communities (CCRCs) Nursing Homes and Skilled Nursing Facilities This program is designed for facilities seeking robust liability coverage and risk management support. Whether your client is a standalone facility or part of a multi-location network, we can structure coverage to match their unique exposures and regulatory climate. Coverage Highlights and Advantages Our Long Term Care Insurance program includes key features that address common industry risks: Limits ranging from $250,000 to $1,000,000 per occurrence / $3,000,000 aggregate Coverage for employees, volunteers, administrators, directors of nursing, medical directors, and LLC members Defense costs outside the policy limits Evacuation coverage even when no physical damage occurs Per-location limit structuring available Options available without exclusions for physical/sexual abuse and punitive damages We work with many respected insurance carriers to ensure flexibility and stability in program design. Coverage is written through a Risk Retention Group structure, suitable for clients in many regulatory environments. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size and scope of the facility, claims history, and desired limits. Our underwriting team responds quickly and works closely with agents to evaluate each submission thoroughly. We are experienced in handling everything from single-location facilities to large regional groups. Territories and Availability This program is available in all 50 states and Washington, DC. Regardless of location, our team is equipped to help you place business in both urban and rural markets. We understand the regulatory nuances across different states and can help you tailor solutions that meet local requirements. Why Work With Caitlin Morgan Insurance Services? Caitlin Morgan is known in the marketplace for our deep expertise in long-term care risks and our personalized approach to underwriting. From our legal nurse consultant to our dedicated underwriter, we bring clinical and legal insight to every submission. Agents and brokers rely on us for fast, thoughtful responses and access to competitive markets. If you're placing coverage for long-term care facilities, we have the tools and experience to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in Assisted Living Centers, Nursing Homes, and Continuing Care Retirement Communities. Both standalone facilities and multi-location groups are eligible. Is coverage available in all states?Yes, our Long Term Care Insurance program is available in all 50 states and Washington, DC. What coverages are included in the program?Key coverages include general and professional liability, defense outside the limit, coverage for abuse and punitive damages (when available), and evacuation costs—even without property damage. Who is covered under the policy?The policy can extend to employees, volunteers, administrators, directors of nursing, medical directors, and LLC members. What is the minimum premium for this program?Minimum premiums vary depending on facility size, location, and risk characteristics. Contact us with your specific account details for a quote. Need help placing an account? Connect with a market specialist.

Medical Malpractice Insurance Solutions from Bailey Sp... complex and hard-to-place medical malpractice accounts, including those with ...

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.

Medical Malpractice Errors and Omissions Insurance A...d-to-place and nonstandard medical malpractice risks through our access to non...