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Self-insurance for workers’ compensation is a strategic choice to retain and fund losses directly instead of transferring them to a traditional carrier. Unlike standard policies, an individual self-insurance program requires a formal plan to pay claims as they occur—using operating cash or a dedicated reserve—along with compliance steps to meet state requirements. Caitlin Morgan Insurance Services helps agents and brokers evaluate, design and place Individual Self-Insurance Workers' Compensation programs. Our team brings programmatic experience and market access to guide you through feasibility analysis, regulatory filings, actuarial review, and vendor selection so your client’s program is structured and compliant from day one. Ideal Accounts and Appetite This solution is built for larger, financially stable employers that can demonstrate strong claims and safety management. Typical fits include manufacturers, large healthcare operations, colleges and universities, and sizable service organizations with robust loss-control programs. You might have a client with 500+ employees facing escalating premiums and limited control over claims handling — an individual self-insurance program can give them transparency, control, and potential long-term savings. Coverage Highlights and Advantages Self-insurance gives your client direct control over claims administration, loss prevention, and cash flow. Key benefits include: Customizable claims handling and selection of third-party administrators (TPAs) Improved cash flow and the ability to tailor reserve management Greater emphasis on workplace safety and loss prevention initiatives Potential cost savings over time for low-loss employers Applicants must also satisfy state-specific requirements such as surety bonds, reserve funding and periodic reporting. Caitlin Morgan supports compliance, actuarial review and provider selection to help ensure a sustainable program. Underwriting Notes Each submission begins with a feasibility and financial analysis. Underwriting looks at claims history, financial strength, industry exposures, safety programs and risk tolerance. There is no fixed minimum premium published here; applicants must show the financial capacity to fund losses and meet state reserve obligations. Territories and Availability Caitlin Morgan’s Individual Self-Insurance Workers’ Compensation Solutions are available nationwide, including all 50 states and the District of Columbia. We place both admitted and non-admitted structures depending on state rules and client profile. Why Work With Caitlin Morgan Insurance Services? As a Managing General Underwriter and Excess & Surplus Lines Broker, Caitlin Morgan offers focused expertise in alternative risk solutions. We provide hands-on support through the full lifecycle—feasibility assessment, program design, regulatory submission, TPA selection and ongoing program oversight. Our market relationships and technical experience help you place complex large-account workers’ compensation programs with confidence. Contact: Gerry Dumke P: (800)723-7475, Ext. 280 [email protected] Frequently Asked Questions What types of accounts are a good fit for this self-insurance program?Large employers in industries such as manufacturing, healthcare, education and certain service sectors with strong financials and active loss-control programs are the best fit. Does Caitlin Morgan assist with claims administration for self-insured clients?Yes. We help you select and manage third-party administrators (TPAs) to ensure efficient, compliant claims handling tailored to the client’s program. What are the main advantages of self-insuring workers’ compensation?Self-insurance provides greater control over claims, improved cash flow management, stronger alignment with safety programs and potential long-term cost savings for well-managed employers. Is this program available nationwide?Yes. Caitlin Morgan supports individual self-insurance placements in all 50 states and the District of Columbia, with admitted or non-admitted options as appropriate. What financial requirements must a company meet to qualify?Applicants must demonstrate financial stability and the ability to fund claims and reserves consistent with state regulations. We perform a detailed financial and feasibility analysis for each submission. Need help placing an account? Connect with a market specialist.

This program has extremely competitive rates for the janitorial class and allows both commercial and residential operations!! Overview — Janitorial for both residential and commercial accounts Insurance (Gladius Insurance Services, LLC) Gladius Insurance Services, LLC places janitorial accounts through an A-7 admitted carrier with appetite for both commercial and residential cleaning operations. This program is designed for independent agents and brokers who need a straightforward, competitively priced option for janitorial contractors — from single-owner house cleaning firms to multi-site commercial janitorial services. Program Highlights Available in AZ, CA, OR and WA A-7 admitted carrier (Developers Surety and Indemnity) Minimum premiums: $1,000 MP for new residential builders / $750 MP for all other classes Limits available up to $2M / $4M Online rater****** for faster quoting and bind options Accepts both commercial janitorial and residential janitorial exposures Ideal Accounts and Appetite This program targets janitorial contractors and cleaning businesses with annual sales up to $6M. Ideal accounts include: Small to medium commercial janitorial firms providing office, retail, and multi-tenant cleaning services Residential cleaning businesses and house cleaners operating as contractors Mixed operations that perform both residential and commercial cleaning under the same business New ventures where the principals have approximately three years of relevant experience Gladius is especially useful when you need admitted paper and competitive rates for typical janitorial exposures (slip-and-fall, property damage during cleaning, limited client premises operations). Coverage Highlights and Advantages Admitted placement available through Developers Surety and Indemnity — helpful for agents seeking admitted limits. Higher limits available (up to $2M/4M) for accounts that require stronger liability protection. Flexible minimum premium structure to accommodate both builders/new residential projects and standard janitorial classes. Online rater speeds up quoting for straightforward risks and reduces turnaround time on small accounts. Underwriting Notes and Minimum Premiums Annual sales must be $6M or less. New ventures considered when owners/operators have three years’ experience in the class. Loss history: no more than one liability loss in the last three years. Contractors engaged in residential projects should be targeting projects under $1.5M. Minimum premiums: $1,000 for general contractors (new residential builders) and $750 for other eligible classes. Ineligible Classes / Common Declines The following classes are not eligible for this program and should be submitted elsewhere: Blasting operations Residential plumbers Framers Roofers Excavators/graders Construction managers Territories and Admission This admitted program is available in Arizona, California, Oregon and Washington. It is placed through an admitted A-7 carrier, which can be advantageous for clients who prefer admitted coverage and state-specific policy forms. Why Place Janitorial Business with Gladius Insurance Services, LLC? Specialized underwriting for janitorial classes with competitive pricing. Admitted carrier access through Developers Surety and Indemnity for markets that require admitted paper. Online rater to accelerate quotes on routine risks and reduce back-and-forth underwriting. Clear eligibility guidelines that let you quickly screen accounts before submission. Example Scenarios You have a two-person residential cleaning business with $120K annual sales and clean loss history — this program can provide admitted liability coverage with a $750 minimum premium and fast online quoting. You represent a commercial janitorial firm servicing office parks with $1.2M in revenue and no recent liability losses — Gladius can offer admitted limits up to $2M/4M to meet contract requirements. For agents: use the online rater for quick quotes on standard janitorial risks, and refer to the underwriting notes above when preparing submissions for more complex or higher-limit accounts. Frequently Asked Questions What types of janitorial accounts are a good fit for this Gladius program?Small to mid-size commercial and residential janitorial contractors with annual sales up to $6M, minimal loss history (no more than one liability loss in three years), and operations that do not involve excluded construction trades. Which states is the program available in?The admitted program is available in Arizona, California, Oregon and Washington. What are the minimum premiums and available limits?Minimum premiums are $1,000 for new residential builders (general contractors) and $750 for other classes. Limits are available up to $2M per occurrence / $4M aggregate. Can new businesses qualify?Yes — new ventures may be considered if the owners/operators have about three years of relevant experience in the janitorial or cleaning trade. Are there any common classes you will not write?Yes — classes such as blasting operations, residential plumbers, framers, roofers, excavators/graders, and construction managers are ineligible for this program. Need help placing an account? Connect with a market specialist.