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...surance Services offers a focused Medical Malpractice Insurance program design... of accounts are a good fit for this Medical Malpractice program?The program is geared t...

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.

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