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Monarch Partners Group LLC (MPG) has been delivering innovative workers’ compensation solutions to agents and brokers nationwide for over 25 years. Specializing in high-risk and hard-to-place industries, MPG offers tailored programs that help agents secure competitive coverage for challenging accounts. One of MPG’s flagship offerings is its Nursing Home Workers' Compensation Insurance program—designed specifically for the long-term care sector, including skilled nursing and assisted living facilities. Ideal Accounts and Appetite This program is specifically built for nursing homes and related care facilities that struggle to find viable workers’ compensation options due to high-risk exposures or adverse underwriting characteristics. MPG targets accounts with: High cost class codes specific to nursing home operations High debit X-mods or loss-sensitive history Premiums of $50,000 or more (minimum of $100,000 for POWC program) Coverage lapses or midterm cancellations New ventures or expanding operations If you have a client with a distressed mod, a history of claims, or prior PEO involvement, MPG’s solutions may be the right fit. Coverage Highlights and Advantages MPG offers multiple structures, including their popular Payroll Opt-Out Work Comp Program (POWC). This premium-only option allows qualifying risks to remain independent in their payroll and tax operations while leveraging the purchasing power and favorable X-mod of a master policy. Key benefits include: Pay-as-you-go premium structure for improved cash flow No year-end premium audits Access to “A” rated carriers HR, payroll processing, and payroll funding options available Guaranteed cost and deductible options Broad class code acceptance and multistate capabilities Larger risks can often process payroll internally and issue employee checks using their own bank accounts, with minimal administrative burden. Underwriting Notes and Minimum Premiums The POWC program requires a minimum premium of $100,000. Other MPG programs may accept accounts starting at $50,000 in premium. Submissions should include: ACORD 130 application Three years of currently valued loss runs Current policy declarations and rating pages Experience modification worksheet Supporting details to help assess the risk Territories and Availability MPG’s Nursing Home Workers’ Compensation Insurance program is available nationwide, including all 50 states and Washington, D.C. Whether your client operates in a single state or across multiple jurisdictions, MPG can provide a consistent and scalable solution. Why Work With Monarch Partners Group MPG has deep expertise in placing complex and distressed workers’ comp risks. With in-house underwriting capabilities, fast turnaround times, and flexible program structures, MPG empowers agents to deliver tailored solutions to difficult-to-place accounts. The MPG team understands the unique challenges of the nursing home industry and brings decades of experience to help brokers win and retain business in this demanding sector. Frequently Asked Questions What types of accounts are a good fit for this program?Nursing homes and long-term care facilities with premiums over $50,000, high X-mods, or challenging claims histories are ideal candidates. Can my client still use their own payroll system?Yes. Through MPG’s Payroll Opt-Out Work Comp Program (POWC), larger risks can manage their own payroll and tax processes while participating in the master WC policy structure. Is this program available in all states?Yes, MPG offers this workers’ compensation program in all 50 states and Washington, D.C. What documents are needed to get a quote?Submit an ACORD 130, three years of loss runs, current policy details, X-mod sheet, and any other helpful information about the risk. Does the program accept new ventures or accounts with prior coverage lapses?Yes. MPG is open to new ventures and accounts with midterm cancellations or prior coverage gaps. Need help placing an account? Connect with a market specialist.

Comprehensive Property & Casualty Solutions for Niche Markets Caitlin Morgan Insurance Services offers a focused Property & Casualty program that helps agents and brokers place business across hospitality and senior care markets. As a wholesale broker with access to multiple carriers, Caitlin Morgan provides flexible, tailored solutions for clients with unique liability and property exposures. Target Classes and Ideal Risks This program is a strong fit for risks in the following sectors: Bars, taverns, and full-service restaurants — including operations with liquor exposure and entertainment Nursing homes Assisted living and independent living facilities You might have a client who operates a restaurant with a full bar, live entertainment and liquor exposure, or a regional owner managing multiple assisted-living locations — these are the types of accounts Caitlin Morgan routinely helps place. Coverage Highlights General Liability Available for hospitality accounts (including liquor liability) and for senior care operations. Limits and terms are tailored to the class and loss history. Property Coverage for buildings, contents, and business interruption exposures — suitable for nursing homes, assisted living facilities, bars, taverns, and restaurants. Professional Liability Specialized professional and clinical liability options are available for healthcare-related risks, including nursing homes and assisted/independent living communities. Underwriting and Market Access This offering is a non-admitted program, which provides flexibility for placing risks outside standard market appetites. Caitlin Morgan works with a panel of carriers to match each account to the appropriate market and has experience handling complex hospitality and healthcare exposures. Typical underwriting considerations include prior loss history, liquor service controls and training, staffing and clinical procedures for senior care, multi-location exposures, and physical protection measures for property risks. Territory The program is available in most U.S. states, including CA, FL, NY, TX, IL, and PA. Caitlin Morgan serves agents and brokers across the continental U.S., as well as Alaska, Hawaii, and Washington, D.C.; contact the team for specific state availability or filing questions. Why Choose Caitlin Morgan? Caitlin Morgan Insurance Services is a trusted wholesale broker with niche expertise in hospitality and senior care. Their team partners with agents to navigate complex underwriting requirements and to secure competitive solutions across multiple carriers. Whether you are placing a single-location tavern or a multi-site senior care portfolio, Caitlin Morgan brings market access and technical underwriting support to help you close the deal. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for bars, taverns, restaurants with liquor exposure, and senior living operations such as nursing homes, assisted living, and independent living facilities. Is this program available on an admitted basis?No. This is a non-admitted program, which allows for greater flexibility in underwriting and placement when admitted markets are not appropriate. Can I place multi-location risks through Caitlin Morgan?Yes. Caitlin Morgan can assist with multi-location accounts, particularly in healthcare and hospitality sectors where centralized underwriting and multistate placement are required. What coverages are included?Available coverages depend on class of business but commonly include general liability (with liquor liability where needed), property (building, contents, business interruption), and professional liability for healthcare operations. Which states is this program available in?The program is available in most U.S. states, including CA, NY, FL, TX, and others. Contact Caitlin Morgan for confirmation of availability in a specific state. Need help placing an account? Connect with a market specialist.

... Home healthcare, hospice, and visiting nurse services Mental health hom...managing professional exposures for visiting nurses. Coverage Highlights and Advant...

Home Health Care Insurance Program from IPMG Insurance Program Managers Group (IPMG) provides targeted access to Home Health Care Insurance markets for agents who place in-home medical and non-medical service providers. Whether you're working with a multi-state skilled nursing agency or a local personal care provider, IPMG connects you to tailored E&S solutions designed to address the specific operational and professional exposures of home-based care. Ideal Accounts and Appetite This program fits a broad range of home care operations, including: Skilled nursing and licensed medical home care agencies Personal care, companion and homemaker services Home-based therapy providers (physical, occupational, speech) Hospice and palliative care providers Typical placements include agencies providing personal care across multiple counties, therapy companies delivering services in clients’ homes, and skilled providers expanding into services such as in-home IV therapy. Accounts with clear hiring and supervision practices, documented policies, and basic risk management are generally preferred. Coverage Highlights and Advantages IPMG’s Home Health Care program pairs underwriting expertise with a comprehensive coverage package to protect common exposures for home care providers. Key coverages include: Professional Liability – Defense and indemnity for alleged negligence, errors, or omissions in patient care. General Liability – Premises and operations protection for bodily injury and property damage arising from day-to-day services. Hired and Non-Owned Auto – Coverage for employees using personal vehicles on company business. Crime – Protection for losses from employee theft and related dishonest acts. Data Breach & Privacy/ Security Liability – Coverage for HIPAA-related incidents and cyber/privacy exposures. Sexual Misconduct Sublimit – Acknowledges and addresses a sensitive exposure area common to home care. Employee Benefits Liability – Coverage for administrative errors in benefit programs. These options give your insureds practical protection across professional, general, cyber, and employee-related risks so they can focus on care delivery. Underwriting Notes and Minimum Premiums The program is placed on a non-admitted basis through Hiscox, offering placement flexibility for unique or harder-to-place risks. Underwriters favor accounts with documented policies, clear staff credentialing, reasonable visit limits per caregiver, and basic loss-control practices. The minimum premium for eligible accounts starts at $1,500. For agencies with higher limits, multi-state operations, or significant professional exposure, IPMG’s underwriting team can structure broader solutions—contact underwriting to discuss specific scenarios and appetite exceptions. Territories and Availability Current availability: Illinois (IL), Indiana (IN), Iowa (IA), and Missouri (MO). Coverage is written through E&S markets and may not be available on an admitted basis in these states. Why Work with IPMG? As a Managing General Agency and E&S broker, IPMG specializes in health care risk and provides responsive underwriting, timely submissions, and access to a trusted carrier (Hiscox) for this line. Their healthcare division understands the operational nuances of home care and helps agents place both routine and complex accounts efficiently. Example scenarios that fit well: A mid-sized home health agency expanding into in-home infusion services that needs professional liability plus cyber/privacy protection. A regional personal care company with employees using personal vehicles to transport clients who needs hired/non-owned auto and crime coverage. For underwriting questions or to submit a risk, contact: Mike Miller (IL) Director - Healthcare Division (630) 485-5850 [email protected] Kristina Freeze (MO) Underwriter (314) 293-9704 [email protected] Frequently Asked Questions What types of accounts are a good fit for this Home Health Care Insurance program?Ideal accounts include both medical and non-medical home health care providers, such as skilled nursing agencies, personal care aides, and therapy service providers operating in clients’ homes. Is this program available on an admitted basis?No. This program is offered on a non-admitted (E&S) basis through Hiscox, which allows flexibility for unique or harder-to-place risks. What states is the program available in?The program is currently available in Illinois, Indiana, Iowa, and Missouri. What is the minimum premium for this program?The minimum premium for eligible accounts starts at $1,500. Who can I contact to get a quote or learn more about placing business?Reach out to Mike Miller for Illinois accounts or Kristina Freeze for Missouri underwriting questions and submissions. Need help placing an account? Connect with a market specialist.

...staffing firm supplying traveling nurses to hospitals nationwide. This program...

Overview STATPro offers rapid underwriting in the United States for Miscellaneous Professional Liability placed on Lloyd’s of London paper. The facility is placed by CGSC Group’s Lloyd’s brokering operation, CGNMB LLP. STATPro underwriters are empowered to make binding decisions, making this program a practical market for placing Mental Health Consultants Professional Liability Insurance for individual clinicians and small practices. Target classes Clinical Psychologist School Psychologist Clinical Social Worker Licensed Professional Counselor Mental Health Counselor Certified Alcohol and Drug Abuse Counselor Nurse Psychotherapist Marital and Family Therapist Pastoral Counselor Peer Specialist Other Therapists – therapists with advanced degrees trained in specialized therapies (e.g., art therapist, music therapist) Psychiatrist Child/Adolescent Psychiatrist Psychiatric or Mental Health Nurse Practitioner Coverage highlights and advantages Pre-judgement and post-judgement interest included Punitive damages coverage where insurable by law Severability and final adjudication wording to limit fraud/crime/personal profit exclusions Contractual liability expansion available Aggregate deductible options Worldwide suits coverage Bi-lateral extended reporting period options Blanket waiver of subrogation No change-in-controls provision Non-employment practices discrimination coverage Coverage overview Multiple limit and split-limit options $0 deductible available for select classes Minimum premiums can be as low as $1,000 for eligible classes; final minimums vary by class and state Ideal accounts and appetite This program is designed for individual mental health practitioners and small group outpatient practices that need professional liability coverage with flexible limits and Lloyd’s-backed wording. It is a strong fit when your clients: Provide outpatient therapy, evaluations, or counseling Work with children, adolescents, families, or specialized populations (for example, substance use counselors or art/music therapists) Require worldwide suits coverage or expanded contractual protection Need policy wording that addresses punitive damages and severability concerns Typical fits: solo clinicians or small-group practices with limited or no significant malpractice history, licensed clinicians (psychologists, social workers, LPCs), and outpatient prescribers such as psychiatrists or psychiatric nurse practitioners. Underwriting notes and submission requirements Provide a complete submission to get the best terms: application, résumé/CV for clinicians or owners, current loss runs/claims history, and any relevant contracts or supervision agreements. Underwriters are empowered to make quick decisions—concise, well-documented submissions increase the chance of a fast quote. Some classes may qualify for $0 deductible options or lower minimum premiums; eligibility is determined case-by-case. Program generally excludes high-frequency claim exposures, facilities-based inpatient care with high-loss potential, or accounts with unresolved significant malpractice history. Submit borderline or complex accounts for review. Territories and regulatory position Admitted status: Most Available States. The program is available in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Carriers: Lloyd’s of London paper. Program administered through STATPro as the managing general agency. Why place this business with STATPro Direct access to Lloyd’s paper through an experienced MGA placement. Empowered underwriters who can provide timely decisions—useful for urgent renewals or new-business submissions. Policy wordings that address common mental-health practice exposures, including punitive damages, worldwide suits, contractual needs, and severability. Flexible deductible, limit, and extended reporting period options for qualifying accounts. Example account scenarios You have a solo licensed professional counselor who provides telehealth nationwide and needs worldwide suits coverage plus a contractual liability extension—this program can provide tailored wording with a competitive minimum premium. You represent a small outpatient group of therapists (including art and music therapists) seeking professional liability with aggressive severability language and the option for a $0 deductible for certain practitioners. A complete submission is requested to assure the best terms and pricing are offered. Frequently Asked Questions What types of mental health professionals qualify for this program?This program targets clinicians such as psychologists, school psychologists, clinical social workers, licensed professional counselors, marital and family therapists, substance abuse counselors, psychiatrists, psychiatric nurse practitioners, and therapists with advanced specialty training (for example, art or music therapists). Which states is this coverage available in?The program is available in most U.S. states and the District of Columbia (see the program storefront for the full state list). Availability may vary by class and by state filing requirements. What submission materials does STATPro require?A complete submission typically includes a completed application, résumé/CV for owners or clinicians, current loss runs/claims history, and any contracts or supervision arrangements that affect exposure. Providing these up front speeds the underwriting decision. Are extended reporting period (tail) options available?Yes. The program offers bi-lateral extended reporting period options. Terms and pricing depend on the insured’s class, claims history, and chosen limits. Can this program handle requests for $0 deductible or low minimum premium?For certain qualifying classes and accounts, $0 deductible options and minimum premiums as low as $1,000 may be available. Eligibility is determined by underwriting review of the complete submission. Need help placing an account? Connect with a market specialist.

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.