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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.

Nursing Home Insurance Coverage Caitlin Morgan Insurance Services offers a focused Nursing Home Insurance program created to help independent agents and brokers place coverage for long-term care providers. With an in-house underwriter, a legal nurse consultant, and a nurse/attorney on staff, Caitlin-Morgan combines clinical and legal expertise with a high-touch underwriting approach. The program is supported by respected carriers and designed to address the operational, professional and regulatory exposures common to skilled nursing facilities and similar operations. Ideal Accounts and Appetite This program is a strong fit for: Nursing homes and skilled nursing facilities Assisted living centers and memory care units Continuing Care Retirement Communities (CCRCs) and multi-service senior living operators Whether you represent a family-owned single location or a multi-site regional operator, Caitlin-Morgan can help you secure primary liability placements and tailored limits per location. Typical appetites include facilities that require professional liability, abuse coverage, and staffing exposure management. Accounts with substantial regulatory or claims history may still be considered through the program’s consultative underwriting process. Example placement scenarios you might bring to this market: A family-owned nursing home seeking broader liability protection that explicitly includes coverage for abuse and punitive damages. An expanding assisted living group that needs per-location limits and evacuation expense coverage across multiple states. Coverage Highlights and Advantages Key coverages and program strengths include: Limits available from $250,000 to $1,000,000 per occurrence with up to $3,000,000 aggregate Limits can be written on a per-location basis Employees and volunteers are included as insureds Coverage extends to the Administrator, Director of Nursing, Medical Director, and LLC members Available without exclusions for physical and sexual abuse and punitive damages (subject to underwriting) Defense costs provided outside the liability limit Evacuation expense coverage that applies even when there is no property damage Underwriting Notes and Minimum Premiums Minimum premium varies by account size, operations, and claims profile. Caitlin-Morgan uses a hands-on, consultative underwriting process with fast turnaround — submissions are reviewed by a multidisciplinary team (underwriter, clinical nurse consultant, and attorney) to find practical solutions for complex risks. Provide complete staffing, policy/procedure, and claims history information to speed placement and pricing. Territories and Availability This program is available in all 50 states and Washington, D.C. Caitlin-Morgan works with national carriers and operates within a Risk Retention Group structure where appropriate. Both admitted and non-admitted solutions are available depending on the state and the account’s needs. Why Work With Caitlin-Morgan Insurance Services? Caitlin-Morgan offers market access plus deep operational knowledge of long-term care. Agents benefit from: A dedicated team experienced in healthcare and senior living exposures Clinical and legal expertise that helps assess claims potential and compliance gaps Responsive, personalized underwriting and risk management support Established carrier relationships that provide competitive and stable coverage options 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, memory care units, and continuing care retirement communities seeking 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., with admitted and non-admitted options where appropriate. Are abuse and punitive damages covered? Yes. Coverage is available without exclusions for physical and sexual abuse and for punitive damages, subject to underwriting approval and state requirements. What is the minimum premium for this program? Minimum premium varies based on the account’s size, operations, and claims profile. Contact Caitlin-Morgan for specific underwriting guidance. Who can I contact to submit a risk or ask questions? Contact Linda Winzenread at 800-723-7475, Ext. 241 or email [email protected] for assistance with submissions and questions. 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...

...dants Skilled Care — licensed nurses and clinical staff providing skilled ...t places CNAs and licensed practical nurses with private clients and small ass...