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...ities, home health patients, and visiting nurse programs. Overview of the Pro...staffing, home health agencies, and visiting nurse services that use temporary...

...dants Skilled Care — licensed nurses and clinical staff providing skilled ...t places CNAs and licensed practical nurses with private clients and small ass...

Nursing Home Insurance Coverage Caitlin Morgan Insurance Services offers a focused Nursing Home Insurance program created to help independent agents and brokers place coverage for long-term care providers. With an in-house underwriter, a legal nurse consultant, and a nurse/attorney on staff, Caitlin-Morgan combines clinical and legal expertise with a high-touch underwriting approach. The program is supported by respected carriers and designed to address the operational, professional and regulatory exposures common to skilled nursing facilities and similar operations. Ideal Accounts and Appetite This program is a strong fit for: Nursing homes and skilled nursing facilities Assisted living centers and memory care units Continuing Care Retirement Communities (CCRCs) and multi-service senior living operators Whether you represent a family-owned single location or a multi-site regional operator, Caitlin-Morgan can help you secure primary liability placements and tailored limits per location. Typical appetites include facilities that require professional liability, abuse coverage, and staffing exposure management. Accounts with substantial regulatory or claims history may still be considered through the program’s consultative underwriting process. Example placement scenarios you might bring to this market: A family-owned nursing home seeking broader liability protection that explicitly includes coverage for abuse and punitive damages. An expanding assisted living group that needs per-location limits and evacuation expense coverage across multiple states. Coverage Highlights and Advantages Key coverages and program strengths include: Limits available from $250,000 to $1,000,000 per occurrence with up to $3,000,000 aggregate Limits can be written on a per-location basis Employees and volunteers are included as insureds Coverage extends to the Administrator, Director of Nursing, Medical Director, and LLC members Available without exclusions for physical and sexual abuse and punitive damages (subject to underwriting) Defense costs provided outside the liability limit Evacuation expense coverage that applies even when there is no property damage Underwriting Notes and Minimum Premiums Minimum premium varies by account size, operations, and claims profile. Caitlin-Morgan uses a hands-on, consultative underwriting process with fast turnaround — submissions are reviewed by a multidisciplinary team (underwriter, clinical nurse consultant, and attorney) to find practical solutions for complex risks. Provide complete staffing, policy/procedure, and claims history information to speed placement and pricing. Territories and Availability This program is available in all 50 states and Washington, D.C. Caitlin-Morgan works with national carriers and operates within a Risk Retention Group structure where appropriate. Both admitted and non-admitted solutions are available depending on the state and the account’s needs. Why Work With Caitlin-Morgan Insurance Services? Caitlin-Morgan offers market access plus deep operational knowledge of long-term care. Agents benefit from: A dedicated team experienced in healthcare and senior living exposures Clinical and legal expertise that helps assess claims potential and compliance gaps Responsive, personalized underwriting and risk management support Established carrier relationships that provide competitive and stable coverage options To discuss a submission or learn more about placing business through Caitlin-Morgan, contact: Linda Winzenread P: 800-723-7475, Ext. 241 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program? This program is best suited for nursing homes, assisted living centers, memory care units, and continuing care retirement communities seeking comprehensive liability and risk management solutions. Is coverage available in all states? Yes. Caitlin-Morgan offers this program in all 50 states and Washington, D.C., with admitted and non-admitted options where appropriate. Are abuse and punitive damages covered? Yes. Coverage is available without exclusions for physical and sexual abuse and for punitive damages, subject to underwriting approval and state requirements. What is the minimum premium for this program? Minimum premium varies based on the account’s size, operations, and claims profile. Contact Caitlin-Morgan for specific underwriting guidance. Who can I contact to submit a risk or ask questions? Contact Linda Winzenread at 800-723-7475, Ext. 241 or email [email protected] for assistance with submissions and questions. 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.

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.

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