IHCA Endorses Midwest Insurance Group’s Professional & General Liability Program


Indiana’s largest trade association for senior living communities enters into agreement with

Risk Retention Group

CONTACT: Chris Murray


Indianapolis, Indiana, March 5, 2018Midwest Insurance Group, a risk retention group (MIGRRG), formed for Indiana healthcare firms operating in the senior living market announced a partnership of its Professional Liability and General Liability program with the Indiana Health Care Association (IHCA). IHCA is Indiana’s largest trade association representing skilled nursing and assisted living communities. Under the agreement, IHCA members will receive coverage at discounted rates, risk management services, and claims management services. All policyholders participate 100% in Indiana’s Patient Compensation (PCF) with MIGRRG providing $400,000 in Professional Liability and $1 million in General Liability limits. The state of Indiana absorbs the next $1.25 million of any one professional liability claim and has a statutory cap of $1.65 million.

MIGRRG operates under the auspices of the 1986 Risk Retention Act (RRA) and is a group self-insurance plan with the goal of retaining risk amongst its members while delivering premiums and coverage specifically based upon the members’ performance.

Eligible classes under the IHCA/MIGRRG program include skilled nursing homes, assisted living facilities, independent living facilities, continuous care retirement communities (CCRCs), adult care facilities, and group homes.

“We are excited to provide IHCA members with a competitive solution to the challenges they face in obtaining stable liability coverage and rates,” said Chris Murray, president of Caitlin Morgan Insurance Services, an Indiana-based healthcare insurance intermediary, and also president of MIGRRG. “In participating in MIGRRG, members become owners of the group and are able to leverage key advantages including lower rates and broader coverage. In addition, they have the ability to control losses with risk management services that include on-site liability risk assessments, on-site consultations, quality assurance development, disaster planning, and more. Claims Defense is provided by a firm dedicated to defending nursing homes, nurses, physicians, and health care organizations throughout Indiana in professional liability litigation.”


About Caitlin Morgan Insurance Services

For over 25 years, Caitlin Morgan Insurance Services, based in Indianapolis, Indiana, has been providing Professional and General liability coverage to owners and operators of senior living facilities, including skilled nursing homes, assisted living centers, and continuing care retirement communities. A staff of highly experienced and trained underwriters also provides commercial insurance resources to independent insurance agents, associations, and specialty brokers looking to add professional lines like D&O and EPLI, or property, commercial auto, umbrella, cyber and other lines of coverage to complete their client’s protection package. As its exclusive underwriter, Caitlin Morgan Insurance Services manages MIGRRG. Caitlin Morgan also provides cost-effective Workers’ Compensation solutions to members of the IHCA, HOPE, and Leading Age Indiana associations.



MIGRRG was formed in 2004 by Indiana nursing home owners in response to an increasingly disruptive medical liability marketplace where both a lack of carriers and capacity resulted in extraordinary higher liability costs for nursing homes. MIGRRG currently writes business in Indiana where Indiana’s Medical Malpractice Act caps damages to $1,650,000 for any single claim and provides a medical review panel process that helps eliminate frivolous claims. MIGRRG is rated “A” Exceptional by Demotech, a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers. MIGRRG is also reinsured by Lloyd’s of London, with an “A” rating and over $2 billion of assets, and provides excess coverage for catastrophic events and frequency of claims.


About IHCA

Founded in 1958, the Indiana Health Care Association (IHCA) is Indiana’s largest trade association and advocate representing skilled nursing, assisted living communities and independent living. Its mission is to educate, inform, and advocate on behalf of health care providers, consumers, and the workforce. IHCA maintains legislative, regulatory, reimbursement and public affairs, as well as member services