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Customized Insurance Solutions for Nursing Home Facilities At XINSURANCE, powered by Evolution Insurance Brokers, we understand the unique risks and regulatory challenges faced by nursing home facilities. Our tailored insurance program—offered by Prime Insurance Company—is designed to help agents and brokers secure comprehensive, flexible coverage for clients in the long-term care and senior living sectors. With 24/7 claims support and a client-first underwriting approach, we’re here to be your strategic partner in protecting healthcare operations of all sizes. Ideal Accounts and Appetite We specialize in hard-to-place or non-standard risks, including facilities with prior claims, high liability exposures, or unique operations. The Nursing Home Facilities program is ideal for: • Skilled nursing facilities • Long-term care operations • Assisted living with complex care needs • Facilities hosting special events or providing transportation You might have a client who operates multiple locations or offers specialized memory care services—this program can help address their evolving exposure needs. Coverage Highlights and Advantages This program offers broad, customizable coverage options. Whether your client is a single-location facility or a multi-state operator, you’ll have access to flexible terms and limits. 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 • Flexible limits, premiums, and coverage customization • Risk Management Support • All-in-One Policy Solutions • Direct Market Access • Responsive Underwriting • 24/7 Claims Reporting and Support Underwriting Notes and Minimum Premiums Our underwriting team focuses on identifying coverage gaps, exclusions, and tailoring solutions to fit each client’s specific operations. While there is no set minimum premium listed, pricing is assessed based on risk characteristics, size, and coverage needs. Accounts of any size are welcome for review. Territories and Availability The Nursing Home Facilities program is available in all 50 states and Washington, D.C., except for specific limitations on auto coverage in New York. As a non-admitted solution through an excess and surplus lines broker, this program is ideal for clients who may not qualify for standard markets. Why Work With Prime Insurance Company and XINSURANCE Prime Insurance Company, through its XINSURANCE platform, offers a high-touch, flexible approach to non-admitted risks. With direct access to underwriters, in-house claims expertise, and a willingness to write tough or unique accounts, you gain a reliable partner when placing difficult healthcare facility risks. Whether you’re working with a new venture, a facility with a claims history, or a client needing specialized coverages, this program offers the tools you need to succeed. *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 is ideal for skilled nursing facilities, long-term care operations, and assisted living centers—especially those with higher risks, prior claims, or unique service offerings. Can I customize coverage options for my client?Yes, coverage, limits, and premiums can all be tailored to meet your client’s specific needs. The program is designed for flexibility. Is this program available in all states?Yes, it 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?This is a non-admitted solution through an excess and surplus lines broker, allowing more flexibility in underwriting and broader coverage options for hard-to-place risks. How do I get started with a quote?You can contact the underwriting team directly through the company profile or storefront page to request a free, customized quote. Need help placing an account? Connect with a market specialist.

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.

Nursing Home Insurance Coverage Caitlin Morgan Insurance Services offers a specialized Nursing Home Insurance program designed to help independent agents and brokers place coverage for long-term care facilities. With an in-house underwriter, legal nurse consultant, and a nurse/attorney on staff, Caitlin-Morgan delivers a high-touch underwriting process and deep industry expertise. This program is backed by respected nursing home insurance carriers and is structured to meet the complex needs of skilled nursing facilities and similar operations. Ideal Accounts and Appetite This program is ideal for: Nursing Homes Assisted Living Centers Continuing Care Retirement Communities (CCRCs) Whether you're working with a small regional facility or a multi-location care provider, Caitlin-Morgan can help you secure comprehensive coverage that addresses professional liability, staffing exposures, and resident care risks. Example placement scenarios include: A family-owned nursing home seeking broader coverage beyond general liability, including abuse and punitive damages protection. An expanding assisted living group needing per-location limits and evacuation coverage across multiple states. Coverage Highlights and Advantages This program includes a broad range of important coverages tailored to the long-term care industry: Limits from $250,000 to $1,000,000 per occurrence / $3,000,000 aggregate Limits written on a per location basis Coverage includes employees and volunteers Protection for the Administrator, Director of Nursing, Medical Director, and LLC members Available without exclusions for physical and sexual abuse and punitive damages Defense costs outside the liability limit Evacuation expense coverage – even when there's no property damage Underwriting Notes and Minimum Premiums Minimum premium varies based on account size and risk profile. Caitlin-Morgan takes a consultative approach to underwriting, with fast turnaround and personalized service. Submissions are reviewed by a multidisciplinary team, allowing for practical solutions even for complex risks. Territories and Availability This program is available in all 50 states and Washington, D.C. Caitlin-Morgan works with many national carriers and offers flexible options through a Risk Retention Group structure. Admitted and non-admitted solutions are available depending on the state and account needs. Why Work With Caitlin-Morgan Insurance Services? With years of experience in long-term care insurance, Caitlin-Morgan offers more than just market access. Their clinical and legal expertise sets them apart when evaluating claims potential, facility operations, and regulatory compliance. Agents benefit from: A dedicated team familiar with the healthcare and senior living industries Responsive underwriting and customized risk management support Established carrier relationships for competitive and stable coverage solutions 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, and continuing care retirement communities looking for 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. Are abuse and punitive damages covered?Yes, coverage is available without exclusions for physical and sexual abuse and punitive damages, subject to underwriting approval. What is the minimum premium for this program?The minimum premium varies depending on the size and complexity of the account. Contact Caitlin-Morgan for specific underwriting guidance. Who can I contact to submit a risk or ask questions?You can contact Linda Winzenread at 800-723-7475, Ext. 241 or email [email protected] for assistance. Need help placing an account? Connect with a market specialist.

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

About Long Term Care Long Term Care insurance has become one of the hottest topics of discussion. Regardless of the fact that this product has been around for the last 30 years, in one fashion or another, it has only been in the last few years that it has really become part of the retirement and estate planning process. Please read some of the Q&A below and determine for yourself how beneficial Long Term Care insurance can be for you, as well as your clients! When you're ready, call the LTC team at UMS for assistance... Why is planning for Long Term Care a critical step in the retirement planning process? Statistically speaking, a person's chance of living long enough to need care someday is very high. Regardless, the reason a plan is important for LTCI is the same reason a retirement plan is important...because planning ahead is better than waiting until it's too late, period. Why should Long Term Care be part of my repertoire? People born between the years of 1946 and 1962 are commonly referred to as the "Baby Boomers" and constitute nearly 80 million people! And, the last we looked, they were growing older! Long Term Care insurance is part of the future because people don't die today from the same things that they died from in the "good old days." Heart attacks, strokes, and cancer are some of the conditions that were considered death sentences before, but are now manageable conditions! If people don't die, then they live. If they live, then they grow older. If they grow older, they may get sick. If they get sick, they may need care because they're older. Why can't my clients rely on government programs? Turn on any news report, read any news article, search the internet for any reference to Social Security, Medicare and Medicaid and find basically the same answer. There is not enough funding of these programs to support the current populace, let alone the future ones. Medicare pays very little, for nursing care only, and Medicaid pays only when the individual has become impoverished. Remember, Medicaid is part of the welfare program. The Deficit Reduction Act of 2005 has changed the scope of planning to move monies to family, friends, churches etc. The look back period for planning for Medicaid has changed from 3 years to 5 years and virtually nothing escapes the review of where dollars have gone, not annuities, life insurance policies, grandchildren, etc. In order for an individual to become impoverished means losing control of their assets, probably long before they need to worry about long-term assistance or Medicaid.

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.