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Caitlin Morgan Insurance Services offers a focused Excess Workers Compensation Insurance program for retail brokers who need strong market access and flexible solutions. Our team has a long track record placing excess workers’ compensation for individual self-insured entities and group self-insurance programs across a wide range of industries. Ideal Accounts and Appetite This program is designed for employers and group self-insured entities that maintain a qualified self-insured retention and require protection above that attachment. Target accounts include municipalities, healthcare systems, manufacturing operations, transportation and logistics companies, and other organizations with strong safety programs and active risk management. If your client has a self-insured retention and needs catastrophic loss protection, this excess program is a practical option. Coverage Highlights and Advantages Multiple limit options available, including limits up to statutory requirements Minimum attachment point of $300,000 per accident Written in excess of a qualified self-insured retention Aggregate protection available where appropriate Optional Cash-Flow Endorsement to assist with capital and premium timing Key Competitive Advantages Access to a panel of A-rated carriers Creative underwriting for complex or hard-to-place risks Flexible terms tailored to each client’s exposure and funding structure Competitive commission structures for retail partners Underwriting Notes The program requires a minimum attachment point of $300,000 per accident and is only available in excess of a qualified self-insured retention. We partner with agents to structure excess layers—providing per-occurrence and aggregate forms when appropriate—and to evaluate captive or pooled arrangements where applicable. Territories and Availability Available in all 50 states and the District of Columbia. We can access both admitted and non-admitted markets depending on the client’s jurisdiction and risk profile. Why Work With Caitlin Morgan As a wholesale broker specializing in self-insured workers’ compensation programs, Caitlin Morgan delivers market access, underwriting insight, and placement experience. Our team understands the technical and financial needs of self-insured sponsors—whether a single employer or a group program—and works with reputable carriers to secure competitive, tailored excess placements. Contact: Chris Murray P: 800-723-7475, Ext. 233 [email protected] Frequently Asked Questions What types of accounts are a good fit for this Excess Workers Compensation program?This program fits individual employers and group self-insured entities with a qualified self-insured retention. Target industries include municipalities, healthcare, manufacturing, and transportation. What is the minimum attachment point for coverage?The minimum attachment point is $300,000 per accident. Coverage is provided in excess of a qualified self-insured retention. Are aggregate limits and endorsements available?Yes. Aggregate protection is available, and a Cash-Flow Endorsement can be added to support a client’s financial planning needs. Can this program be written in all states?Yes. Coverage can be placed in all 50 states and the District of Columbia, with access to admitted and non-admitted markets as appropriate for the jurisdiction. What carriers does Caitlin Morgan work with for this program?We work with a range of A-rated carriers to deliver flexible and competitive excess workers’ compensation solutions. Need help placing an account? Connect with a market specialist.

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.

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.