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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.

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

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.

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