Caitlin Morgan Insurance Services
Specializing in assisting independent agents place and develop business programs for select industry niches, Caitlin Morgan Insurance Services (Caitlin Morgan) exceed expectations as a wholesale broker, specialty insurance program administrator, and managing general underwriter (MGU).
With the expertise to develop alternative risk programs, Caitlin Morgan offers programs in property/casualty and worker’s compensation. In addition, other services provided include underwriting, risk management, claims management, ongoing program oversight, and excess placement services.
Our seasoned and talented expert staff provides complete knowledge and expertise in each insurance niche we serve. Our top-tier carriers are committed to staying the course, even through the ups and downs of a fluctuating market.
The Caitlin Morgan difference is seen by our in-house underwriting control. When our loan officers and loan processors have the ability to talk directly with our underwriters, good relationships are built and maintained. Due to this professional relationship, our clients benefit.
We maintain marketplace leverage with our multiple A-rated carriers located in various states. Since we have such a strong business base, a quick quote turnaround is often the norm, not the exception. Because our clients often spread across multiple states, we are able to provide them with multi-state quotes.
Caitlin Morgan understands that each business is unique and has individual financial strengths. Therefore, we offer flexible payment terms to fit your particular need. In addition, we provide large deductible programs, self-insurance programs, and captive programs for a variety of clients.
Because Caitlin Morgan is so diversified, we are able to utilize strong risk management in a time where many companies are taking risks at the client’s expense to increase profits. We believe that exceeding expectations, not profit sharing, should be our main focus.The Caitlin Morgan Difference:
- In-house underwriting control
- Marketplace leverage
- Multiple A-rated carriers
- Quick quote turnaround
- Multi-state quotes
- Flexible payment terms
- Strong risk management
- Large deductible programs
- Self-insurance programs
- Captive programs
How to Easily Write Hard to Place Workers’ Compensation CoverageWriting hard to place workers’ compensation coverage can be challenging. However, with Caitlin Morgan’s strong underwriting expertise and many years of experience in underwriting, claims management, and loss prevention, we can help to meet your clients’ needs. Many times, clients present agents with hard to place workers’ comp coverage requests. Finding one convenient place where agents can get the best prices with the best coverage options is now available. Hard to Place Clients Meets Years of Experience At Caitlin Morgan, we offer some of the best workers’ compensation coverage for hard to place clients. Working with the best PEO companies in the business, we pride ourselves on our extensive network of unique PEO options for hard to place and high loss businesses. We provide you with multiple A-rated carriers to give you options to fit your clients’ needs. We have a distinct advantage over our competition due to our strong underwriting expertise and years of experience. Our staff is top-notch in underwriting, claims management, and loss prevention. The Caitlin Morgan Difference With the power of in-house underwriting control, marketplace leverage, captive programs, and strong risk management, Caitlin Morgan is able to place agents with multiple A-rated carriers who provide a quick quote turnaround with flexible payment terms while saving your client’s money. Caitlin Morgan’s Power Alley With such a vast array of A-rated carriers, Caitlin Morgan is able to cover many hard to place businesses, including: Artisan Contractors (Plumbers, HVAC, Electrical etc.) Auto service Car Dealership Churches Concrete Work Convenience Stores Country Club Drywall Installation Family or Fine Dining Fast Food Restaurant Grocery Stores Machine Shop Physician/Dentist office Plastics Manufacturing Property Management Retail Stores School public/private Various Manufacturing We also provided limited coverage for the following: Asbestos Abatement Bars Butchering/Slaughtering Distributors Excavators/Quarry Farms (various types) Foundry Grain Elevator Operation Home health care Hospital Limited Not for profit, group homes, sheltered workshops Nursing Home, skilled care, independent living, assisted living Painting Pallet Manufacturing Roofer Sawmills Sign Installation/Repair Steel erection/cell tower repair Tree Trimmer Trucking Local/long haul Worker’s Compensation Insurance Solutions Our experienced and effective brokers comb the market to match carriers with hard to place workers’ compensation insurance providers and bring agents solutions to cover a broad range of benefits without sacrificing coverage options that guarantee your clients are not put at financial risks. Our customized approach to offering workers’ compensation insurance provides agents with the ability to present options with a broader coverage range and lower rates. For all your workers’ compensation needs, whether clients are minimum premium accounts or harder to place risk, Caitlin Morgan is here for you to help you address all of your clients’ needs.Read More
9 Vital Insurance Policies Your Nursing Home Facility Can’t Live WithoutWith the number of baby boomers gradually reaching retirement age, it’s no wonder that the projected number of nursing home facilities and other care facilities is expected to nearly double by the year 2050. In fact, in 10 short years, the number of elderly residents in the U.S. is expected to reach 71 million. This huge increase is due to the wave of Baby Boomers retiring in the next decade along with the general aging of the population. This tidal wave of aging baby boomers will need medical services offered by skilled nursing facilities. Finding the right nursing home insurance coverage for your clients’ nursing home facility is vital to safeguarding their assets, property, employees, and even patients. Caitlin-Morgan Insurance is an industry expert in comprehensive nursing home insurance programs that allow for perfect protection of your clients’ most valued assets. Coverage Options for Nursing Homes An important resource for the aging population, nursing homes (or skilled nursing facilities) is still businesses. All businesses that employ workers and receive clients have a plethora of liabilities that require comprehensive and competitive insurance coverage. Caitlin-Morgan Insurance provides access to a variety of coverages to meet the needs of all nursing home businesses. Professional Liability Insurance General Liability Insurance Excess Liability Insurance Property Coverage and Business Interruption Insurance Automobile Insurance Boiler and Machinery Insurance Crime Insurance Workers’ Compensation Insurance Directors and Officers Liability Insurance Each of the different insurance coverages offered allows for a competitive and comprehensive nursing home facility insurance coverage package to meet the needs of all nursing home facilities from smaller nursing homes to conglomerates. As a leading expert in nursing home insurance coverage, Caitlin-Morgan Insurance can handle all your insurance needs. Nursing Home Risk Management We also understand how important it is to minimize losses when adversity falls upon a nursing home facility. A strong risk management program focuses on identifying emerging and existing risk areas for our clients. By developing policies, protocols, and procedures, our expert team can aid all nursing home facilities to prevent, manage, and reduce any risks. Click here for a quote from Caitlin Morgan Insurance Services today to find out how we can help you solve your nursing home and assisted living insurance needs.Read More
Caitlin Morgan Approved As Captive Insurer Management Firm in UtahCaitlin Morgan Captive Services is pleased to announce that we’ve recently been placed on the approved captive insurer management firm list for Utah-licensed captive insurance companies. Utah has over 500 captives, and is recognized as an innovative state, fostering and supporting creative solutions for captives. The growth in captives over the last decade in the state is due to Utah’s location, favorable legislation and business-friendly environment. We are happy to be able to provide our services to companies looking to set up a captive domiciled in Utah. We provide end-to-end captive management solutions to assist companies in achieving greater control over risk and to improve profitability. This includes everything from providing insurance, risk management, and underwriting expertise to the captive; development and evaluation of business plans and preparation of financial statements; to managing captive service providers and vendors; producing financial reports for the captive’s board of directors; maintaining regulatory reporting; monitoring claims; and much more.Read More