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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.

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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.

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