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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.

Innovative Insurance Solutions Meeting the Changing Needs of the Eldercare Industry ProSight’s Skilled Nursing Insurance program pairs comprehensive liability solutions with practical risk management services. Our underwriting team specializes in eldercare exposures and brings deep experience placing nursing homes, assisted living and senior living facilities into tailored programs. At ProSight we underwrite eldercare risks with an eye to the claim and legal climates that affect nursing facilities. We can customize General Liability and Professional Liability coverage to address clinical and non-clinical exposures, and we combine preferred pricing with loss control resources designed for this segment. Program Highlights Flexible policy options: Occurrence, Claims-Made, and Conversion (Nose) coverage. Industry-specific, broad GL/PL policy forms tailored for nursing homes, assisted living and senior living operators. Workers’ Compensation placement and a specialty loss prevention program to reduce frequency and severity of losses. Value-added non-clinical risk management consulting and assessment tools to help facilities evaluate exposures and improve daily operations. Streamlined submission and underwriting workflow for faster decisions on standard placements. Coverage Limits and Features ProSight offers a GL/PL non-admitted product commonly placed with a $1M/$3M/$5M structure. Typical limit elements include: Health Care Professional Act: $1M each act / $3M aggregate General Aggregate: $3M; Each Occurrence: $3M Personal Injury / Advertising Injury: $1M Employee Benefits Liability: $1M each act / $1M aggregate Sexual Misconduct coverage: $1M each act / $1M aggregate Hired / Non-Owned Auto: $1M CSL Damage to Premises Rented to You: $50,000; Medical Expense: $5,000 Evacuation and Crisis Management limits: $25,000 each incident / $25,000 aggregate Nose Cover (for conversions from Claims-Made to Occurrence): $1M (when applicable) Ideal Accounts and Appetite ProSight’s Skilled Nursing Insurance program is aimed at: Standalone nursing homes and skilled nursing facilities Assisted living and memory care communities Small to mid-sized owner/operators and managed portfolios with stable operations Accounts willing to engage with loss prevention services and implement non-clinical risk improvements Typical risks that fit well: licensed nursing facilities, assisted living with nursing oversight, short-term rehabilitation units, and small chains under centralized risk management. Risks that may require referral or special underwriting include large, complex multi-state systems with significant adverse loss histories or high-risk clinical programs outside standard eldercare services. Underwriting Notes ProSight emphasizes a practical underwriting approach: concise submissions, attention to claim history and regulatory actions, and documentation of safety and resident-care practices. The program pairs underwriting with proactive non-clinical risk management consulting — a useful differentiator when presenting accounts. Because this offering is a non-admitted product in the states where it is available, please confirm placement suitability for each client and state. Territories & Availability Available in: AL, CT, DE, FL, GA, IL, IN, KY, ME, MD, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, DC, WV, WI. This program is currently offered as a non-admitted product in these jurisdictions; verify state availability and regulatory requirements before submission. Why Place Skilled Nursing Business with ProSight Specialty Insurance As a specialty carrier focused on complex liability lines, ProSight combines experienced healthcare underwriting with loss prevention services built for eldercare. Agents benefit from flexible policy forms, competitive limit structures, and access to consultative risk management — helping you present stronger submissions and protect client operations. Example placement scenarios: You have a six-bed skilled nursing facility with clean loss runs and formal risk management practices — this program can offer tailored GL/PL terms and access to loss control consulting. A regional assisted living operator seeks conversion from a claims-made policy to occurrence coverage — Nose Cover availability can help bridge the conversion risk when eligible. To submit: provide recent loss runs, regulatory or survey reports, staffing and credentialing practices, and a clear description of services offered. ProSight’s underwriters will work with you to identify the best form (Occurrence, Claims-Made or Conversion) for the account and outline available risk management resources. Frequently Asked Questions What types of accounts are a good fit for ProSight’s Skilled Nursing Insurance program?Licensed nursing homes, skilled nursing facilities, assisted living and memory care communities with organized operational controls and defensible loss histories are the core target. Small to mid-sized owner/operators who will engage in loss control are especially well suited. Is this program admitted or non-admitted?The program is offered as a non-admitted product in the states listed on the storefront. Confirm state availability and any placement implications with compliance prior to binding. What liability limits and coverages are available?ProSight commonly places accounts with a $1M/$3M/$5M structure and offers Health Care Professional Act limits, general aggregate and occurrence limits, sexual misconduct coverage, hired/non-owned auto, crisis management and optional Nose Cover for conversions. Exact limits depend on underwriting and eligibility. What submission materials and underwriting items should I include?Include current loss runs, copies of recent surveys or regulatory reports, staffing/credentialing procedures, and a description of clinical and non-clinical services. Highlight any active risk management programs to improve placement prospects. Need help placing an account? Connect with a market specialist.

...althcare, in partnership with the Nurses Service Organization (NSO), offers a ...professional liability insurance for nurses, currently insuring over 25,000 nu...

Customized Insurance Solutions for Nursing Home Facilities At XINSURANCE, powered by Evolution Insurance Brokers, Prime Insurance Company offers a specialized program to address the unique risks and regulatory challenges faced by nursing home and long-term care operators. This Nursing Home Facilities program is built for agents and brokers who need a flexible, non-admitted option for hard-to-place or higher-exposure accounts. You’ll have direct access to underwriting, 24/7 claims support, and a client-first approach to tailor solutions for healthcare operations of all sizes. Ideal Accounts and Appetite We focus on non-standard or hard-to-place risks, including facilities with prior loss activity, elevated liability exposures, or specialized operations. The Nursing Home Facilities program fits: • Skilled nursing facilities • Long-term care operations • Assisted living with complex care needs • Facilities that host special events or provide resident transportation You might have a client operating multiple locations, offering memory care, or running on-site therapy and activities—this program is designed to address those evolving exposures. Coverage Highlights and Advantages This program provides broad, customizable coverage options so you can tailor terms to the account rather than forcing the client into narrow standard market forms. Coverages Can Include: • Special Events • Commercial General Liability • Property Coverage • Commercial Auto (available in most states) *Not available in NY • Individual Liability • Alleged Sexual Abuse • Alleged Molestation Liability • Alleged Assault and Battery Liability • Professional Liability • Directors and Officers Liability Program Highlights: • Premium financing available • Flexible limits, customized premiums, and modular coverages • Risk management resources and loss-control support • All-in-one policy solutions where practical • Direct market access to underwriting decision-makers • Responsive, healthcare-focused underwriting • 24/7 claims reporting and handling Underwriting Notes and Minimum Premiums Underwriters evaluate accounts on operations, claims history, staffing ratios, regulatory compliance, and risk controls. There is no fixed minimum premium listed here; pricing is determined by the account’s size, exposures, and desired limits. Accounts of varying sizes are welcome for review—bring details on prior claims, staffing, and risk management programs to speed placement. Territories and Availability The Nursing Home Facilities program is available in all 50 states and Washington, D.C., with the exception that commercial auto coverage is not offered in New York. As a non-admitted solution placed through an excess & surplus lines broker, this program is a fit when standard admitted markets are unavailable or restrictive. Why Work With Prime Insurance Company and XINSURANCE Prime Insurance Company, delivered through the XINSURANCE platform, combines direct access to underwriting with in-house claims expertise and a willingness to consider tough or unique accounts. For agents and brokers, that translates into practical options for placing complex healthcare facilities, faster decisions, and a partner that understands long-term care exposures. Whether the account is a new facility, a multi-location operator, or a client with prior losses, this program helps you find flexible, market-driven solutions. *Please Note: XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus line insurance brokerage. XINSURANCE is a DBA of EIB, which is domiciled in and has its principal place of business in Sandy, Utah. This insurance product is offered by an unlicensed surplus lines insurer. The licensed brokers for EIB are: Rick J. Lindsey (except in CA) (NPN 91653) & Mike Fennell (Only CA) (NPN 1435429) Frequently Asked Questions What types of accounts are a good fit for this Nursing Home Facilities program?This program targets skilled nursing facilities, long-term care operations, and assisted living centers—especially those with elevated risks, prior claims, or specialized services such as memory care or on-site therapy. Can I customize coverage options for my client?Yes. Limits, endorsements, and coverage modules can be tailored to the client’s operations and exposures to create a more complete placement than many standard markets allow. Is this program available in all states?Yes. The program is available in all 50 states plus D.C., although commercial auto coverage is not available in New York. What makes this program different from standard admitted markets?Placed as a non-admitted solution through an excess & surplus lines broker, this program offers broader underwriting flexibility and coverage options for hard-to-place or higher-exposure healthcare facilities. How do I get started with a quote?Contact the underwriting team through the company profile or storefront page and provide account details—including operations description, prior claims history, payroll, and resident counts—to request a customized quote. Need help placing an account? Connect with a market specialist.

The Premier Designation of the Long-Term Care Insurance Industry The Long-Term Care Professional (LTCP) signifies exceptional achievement. It is the premier designation of the long-term care insurance industry, a mark of excellence that distinguishes recipients as the elite in the field. Developed jointly by America's Health Insurance Plans (AHIP) and the American Association for Long-Term care Insurance (AALTCI), the goal for the LTCP designation is a program recognized as the benchmark of knowledge and professionalism in the field. You may earn the LTCP designation through self-study followed by proctored examinations. Or, you may attend one of the review classes offered around the country. Interested in LTCP Self-Study - Members of the American Association for Long-Term care Insurance qualify for a reduced rate. Go to http://www.ahipinsuranceeducation.org When registering for the first time BE SURE TO TYPE "AALTCI" in the Company field and select it to receive the Association discount. nterested in taking a LTCP 2-Day Review Class - Click Here It pays to be a professional. Earning your LTCP brings many benefits both tangible and intangible. Gain valuable knowledge, understanding and experience that will be great assets as you pursue your professional career. Increase your confidence knowing that you have a broad and solid grounding in long-term care insurance matters. Increase your credibility. As an LTCP you will be recognized as one of the few who has made the commitment and achieved the goal of earning the foremost designation recognized by our industry. AALTCI Members have the LTCP insignia appear next to their contact information on the "Find A Local LTCi Professional" on AALTCI's Website. You'll gain expertise from leading professionals. The LTCP program is based on four textbooks written by leading experts in the long-term care insurance field with input from over 50 top long-term care professionals.

Overview — IPMG Nursing Home Insurance and Risk Management IPMG provides dedicated Nursing Home Insurance and Risk Management solutions for senior care providers. We combine program underwriting (including acting as Managing General Underwriters for select programs) with wholesale brokerage and hands-on risk management designed specifically for nursing homes, assisted and independent living, CCRCs, home health agencies and adult day care providers. Our Healthcare division focuses on the senior care market and manages specialty liability programs such as Trinity Risk Solutions RRG (for not-for-profit providers) and New York Healthcare RRG (open to all ownership types). IPMG also places primary and excess P&C coverages, including workers’ compensation, through multiple markets and RRG capacity. Ideal Accounts and Appetite This program is tailored for licensed senior care operators where clinical protocols, regulated operations and staff training are central to controlling liability—and where active risk management will materially reduce exposures. Typical fits include: Skilled nursing/nursing homes (licensed) Assisted living and independent living communities Continuing care retirement communities (CCRCs) Home health providers and adult day care centers Accounts with established management, good licensure history and a commitment to documented clinical processes and staff training are the best fits. For higher-risk specialty operations (for example unlicensed programs or clinical models outside traditional senior care), please discuss specifics with underwriting before submission. Coverage Highlights and Advantages IPMG’s program offers access to multiple liability markets and RRG capacity with a focus on practical loss control. Key advantages for agents and their clients include: Program access to Trinity Risk Solutions RRG and New York Healthcare RRG Wholesale brokerage for primary and excess P&C placements, including workers’ compensation Integrated risk management services that help reduce severity and frequency of claims 24-hour risk management hotline and online incident reporting Risk Management Services IPMG’s in-house risk management team includes former Directors of Nursing and clinical professionals such as physical therapists. Their services are designed to improve care quality, protect employees and help manage insurance costs. Regulatory compliance assistance Accident investigation training and incident investigation assistance 24-Hour risk management hotline and online incident reporting Mock surveys, plan of correction assistance and clinical case reviews Employee programs: limited lift programs, essential functions testing, drug testing and background check policies Supervisors/leadership development and wellness consulting Underwriting Notes and Minimum Premium Submissions should include completed applications, recent loss runs and proof of licensure. This program typically requires a minimum annual premium of $10,000. Because IPMG places business into both RRG and non-admitted markets, terms and attachment points will depend on account profile and desired structure. Territories and Availability Available in the following states: 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, WY. Coverage may be placed in admitted or non-admitted markets depending on carrier and program structure; consult underwriting for state-specific placement guidance. Why Work With IPMG on Senior Care Business Agents choose IPMG because we combine program access (including RRGs), wholesale brokerage relationships and clinical-focused risk management. Our team’s senior care experience helps translate clinical improvements into measurable reductions in exposure, which supports better pricing and placement options. Example Placement Scenarios You might have a client who is a 75-bed not-for-profit nursing home with stable management and a strong incident reporting program—this is a natural fit for Trinity Risk Solutions RRG capacity. Or you may represent a small assisted living operator seeking primary liability and workers’ compensation where IPMG’s wholesale markets and risk management services can be bundled to improve terms. WE'VE GOT YOU COVERED! Frequently Asked Questions What types of senior care accounts are the best fit for IPMG’s Nursing Home program?Licensed nursing homes, assisted and independent living communities, CCRCs, home health agencies and adult day care providers with documented clinical processes and experienced management are the best fits. Not-for-profit providers may be eligible for Trinity Risk Solutions RRG capacity. What submissions does underwriting typically require?Underwriters generally expect a completed application, recent loss runs, proof of licensure, and information on risk management practices. Specific requirements vary by market and program—contact IPMG underwriting for a targeted checklist. Is risk management included with placements through IPMG?IPMG provides dedicated risk management services—clinical reviews, mock surveys, hotline support and training—which are integral to our senior care solutions and can be offered as part of the placement or as a separate service to help reduce exposures. Need help placing an account? Connect with a market specialist.