Who we serve:
- Skilled Nursing Facilities
- Assisted Living Facilities
- Independent Living Communities
- Adult Housing Facilities
- Continuing Care Retirement Communities (CCRCs)
Overview of Our Nursing Home/Assisted Living Insurance Program:
Caitlin Morgan Insurance Services offers a comprehensive insurance solution tailored to the unique needs of senior living facilities. As a wholesale broker with access to multiple markets, we help agents and brokers place coverage for a wide range of long-term care providers. This program is designed for facilities that prioritize resident care and risk management, and require broad, customizable insurance coverage to match their operational needs.
Coverage Highlights:
- Professional Liability and General Liability
- Excess Liability with high limits available
- Property Coverage – buildings, contents, and business interruption
- Automobile – including private passenger and transport vans
- Boiler and Machinery
- Crime Coverage
- Workers’ Compensation
- Directors & Officers Liability with Employment Practices Liability
- Violation of Residents’ Rights
- No exclusions for physical or sexual abuse
- Coverage for Medical Directors acting in administrative roles
- Facility Barbers and Beauticians Coverage
Ideal Accounts and Submission Guidelines:
This program is best suited for licensed care facilities that maintain strong compliance and safety protocols. Ideal accounts include multi-location assisted living centers, skilled nursing facilities with memory care units, and standalone adult housing providers. We look for accounts with sound loss histories and a commitment to quality care. The minimum premium for this program starts at $15,000. Submissions should include a full application, loss runs, and details on staffing and operations.
Territory and Availability:
Our program is available in most states across the U.S., including AL, AZ, CA, FL, IL, NY, TX, and many others. We work with various carriers to provide both admitted and non-admitted options depending on the state and risk profile.
Why Partner with Caitlin Morgan:
Caitlin Morgan Insurance Services brings deep expertise in the senior care and healthcare sectors. Our team understands the operational challenges facing long-term care providers and offers tailored insurance solutions to meet those needs. We support our agent partners with responsive service, underwriting insight, and access to a wide range of specialty markets. Whether you’re placing a single-location facility or a growing regional group, we can help you find the right coverage solution.
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 ideal for skilled nursing facilities, assisted living communities, independent living, adult housing, and CCRCs with strong risk management practices.
Is there a minimum premium for this program?
Yes, the minimum premium starts at $15,000, depending on the size and risk profile of the facility.
What states is the program available in?
The program is available in most U.S. states, including but not limited to CA, FL, TX, NY, and IL.
Does the program include abuse and molestation coverage?
Yes, the program includes coverage with no exclusion for physical and sexual abuse, providing broad protection for facilities.
Who can I contact to submit an account or ask questions?
You can contact Linda Winzenread at 800-723-7475, Ext. 241 or email [email protected].
Need help placing an account? Connect with a market specialist.