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Caitlin Morgan Insurance Services, Inc. offers a comprehensive Higher Education Insurance program designed to help agents place coverage for private and charter educational institutions. Whether you’re working with private universities or K-12 schools, this program provides flexible and broad coverage options tailored to the evolving risks in the education sector. Line of Business: General Liability Abuse and Molestation Umbrella Automobile Property Accidental Death & Dismemberment (AD&D) Educator Legal Liability Available Limits/Coverage Highlights: $1M/$1M limits available on an occurrence basis Limits up to $25M, including abuse and molestation coverage $1M combined single limit for auto $40M property limit per location, with higher limits available upon request $50K per person, up to $5M aggregate for AD&D Desired Classes: Private Universities Private High Schools Private Elementary Schools Charter Schools Available in Most States You might have a client running a private K-12 school that needs a package policy including property, liability, and abuse/molestation coverage. Or perhaps you're looking to place a charter high school needing umbrella limits and educator legal liability. Caitlin Morgan's program is built to handle these exposures with underwriting flexibility and broad coverage terms. As a wholesale broker, Caitlin Morgan works with a variety of carriers to offer tailored solutions to meet each institution's specific needs. Coverage is available in all 50 states and Washington, DC, with both standard and excess markets accessible depending on the risk profile. Admitted and non-admitted options are available as needed. Partnering with Caitlin Morgan gives you access to a team experienced in the education sector, ready to help you navigate complex exposures and coverage requirements. Their ability to craft custom solutions and access top markets makes them a strong partner for agents and brokers placing higher education accounts. Frequently Asked Questions What types of accounts are a good fit for this Higher Education Insurance program?This program is ideal for private universities, charter schools, and private elementary or high schools looking for tailored liability and property coverage. Is abuse and molestation coverage included in the program?Yes, limits up to $25M are available, including abuse and molestation coverage, making it suitable for institutions with youth programs and student housing. What states is this program available in?The program is available nationwide, including all 50 states and Washington, DC. Can this program accommodate large property values or high umbrella limits?Yes, property limits up to $40M per location are available, with higher limits upon request. Umbrella and excess limits are also available based on underwriting. What carriers does Caitlin Morgan work with for this program?Caitlin Morgan partners with various carriers to provide flexible admitted and non-admitted solutions based on the risk and location. Need help placing an account? Connect with a market specialist.

Caitlin-Morgan Insurance Services, Inc. offers a comprehensive Human Services Insurance program designed to support both for-profit and non-profit organizations that serve vulnerable populations. With access to both admitted and non-admitted markets, this program is flexible and customizable to meet a wide range of risk profiles in the human and social services sector. Ideal Accounts and Appetite Foster Care & Adoption Agencies Group Homes and Vocational Workshops for the Developmentally Disabled Substance Abuse Facilities including Detox, Halfway Houses, and Rehab Centers Mental Health Services: Counseling, Residential Treatment, Community Outreach Goodwill Stores and Similar Operations Jewish Community Centers and Other Cultural Organizations Rescue Missions and Homeless Shelters Youth Organizations: Boys & Girls Clubs, Big Brother & Big Sister Programs Schools for Special Needs: Blind, Autistic, and Head Start Programs Adult & Child Daycare Facilities Other qualifying human services organizations Admitted and Non-Admitted products available for most classes Coverage Highlights and Advantages $1M/$3M limits available with both Occurrence and Claims-Made forms Coverage up to $25M, including sexual abuse and molestation $1M combined single limit for general liability Property limits up to $40M per location, with higher limits available upon request Umbrella options available on an occurrence or claims-made basis Incident coverage up to $250K per event Underwriting Notes Caitlin-Morgan works closely with agents to evaluate exposures unique to human services risks, such as abuse allegations, transportation liabilities, and program-specific professional liability. Submissions should include a complete description of operations, loss history, and any accreditations or certifications held by the organization. Territories and Availability This program is available in most states, 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. Why Work With Caitlin-Morgan As a leading wholesale broker with deep experience in the human services space, Caitlin-Morgan brings specialized underwriting knowledge and access to a wide range of markets. Whether you're placing a single residential facility or a multi-location nonprofit, Caitlin-Morgan can help you secure tailored coverage solutions that address your client’s unique exposures. Their team understands the operational risks in this sector and provides responsive service to help you close business efficiently. Frequently Asked Questions What types of accounts are a good fit for this Human Services Insurance program?This program is ideal for nonprofit and for-profit organizations such as foster care agencies, group homes, mental health centers, rehab facilities, and youth mentorship programs. Are both admitted and non-admitted options available?Yes, Caitlin-Morgan offers both admitted and non-admitted products for most human services classes, providing flexibility based on your client’s needs and risk profile. Is sexual abuse and molestation coverage included?Yes, limits up to $25 million are available, including coverage for sexual abuse, subject to underwriting and eligibility. Which states is this program available in?The program is available in most U.S. states, including CA, TX, NY, FL, IL, and many others. Contact Caitlin-Morgan for specific state eligibility. What information is needed to get a quote?Submissions should include a detailed description of operations, loss runs, and any relevant licenses, certifications, or accreditations. Need help placing an account? Connect with a market specialist.