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Caitlin Morgan through our blog and newsletter is committed to keeping our agency partners and insureds abreast of trends, emerging trends and developments as they relate to the segments we serve. We invite you to connect and engage with us.

Understanding Common Home Health Care Liabilities

Posted on: August 25, 2017 by Chris Murray

As the baby boomer generation ages, more and more are requiring certain healthcare facilities to take care of their needs. In 2016 it was reported that there were 49.2 million U.S. residents aged 65 and older, which is a 40 percent increase from the numbers reported in 2000. While some choose to go to nursing […] Read More

Posted in: blog Home Health Care Insurance

Minimizing the Cyber Risks of BYOD

Posted on: January 27, 2016 by Caitlin Morgan

Increasingly more employees are using their own tablets, smartphones, or other devices in a work environment – whether at the office, on the road, or at home. With the popularity of Bring Your Own Device (BYOD), IT security and risk to sensitive business information is of great concern to organizations who are looking to minimize […] Read More

Posted in: blog Cyber Liability

The Popularity of Captive Insurance Companies As We Move into 2016

Posted on: December 30, 2015 by Caitlin Morgan

Captives insurance companies continue to experience growth even during the soft market where pricing is highly competitive and there is plenty of capacity. One of the key reasons is that captives provide organizations with greater control over their risks. Captives also facilitate the ability for businesses to collect underwriting and loss data, providing them with […] Read More

Posted in: blog Captive Solutions

Inside the Costs of Data Breaches for Small Businesses

Posted on: December 28, 2015 by Caitlin Morgan

According to research conducted by Trustwave, 90% of data breaches impact small businesses. Moreover, when a breach occurs it kicks off a series of unavoidable and costly actions that range from forensic analysis to mandatory reporting requirements – expenses that can be addressed by a properly designed Cyber Liability insurance policy. Here we take a […] Read More

Posted in: blog Cyber Liability

Senior Living Facilities Taking a Closer Look at D&O and Cyber Liability Insurance

Posted on: December 21, 2015 by Caitlin Morgan

Owners and investors of senior living facilities – from Continuing Care Retirement Communities (CCRCs) to skilled nursing care homes and assisted living – are increasingly viewing directors and officers exposures and data breach-related risks as top concerns. This has led to more insureds looking at coverage options and levels when reviewing the need for Directors […] Read More

Posted in: blog Long-term care facility

Report Cites Liability Rates for Long Term Care Rising for Three Consecutive Years

Posted on: November 30, 2015 by Caitlin Morgan

The American Health Care Association (AHCA) and Aon Global Risk Consulting released findings from their analysis showing that the cost of liability continues to increase for the long-term care profession. The overall national long-term care loss rate is expected to grow by 5% annually, with claim frequency driving the increase at an expected 3% growth […] Read More

Posted in: blog Long-term care facility

Report: Spending on Cyber Insurance on the Rise

Posted on: November 20, 2015 by Caitlin Morgan

A new report, “Benchmarking Trends: Cyber Attacks Drive Purchases for New and Existing Buyers”, from insurance broker Marsh, shows its U.S. clients are spending more on stand-alone cyber insurance – up 32% for the first half of 2015. Businesses are increasing their investment in Cyber insurance, cites the report, as a greater number of high-profile […] Read More

Posted in: blog Cyber Liability

New Bill Could Expand RRGs to Cover Property Insurance for Non-Profits

Posted on: November 12, 2015 by Caitlin Morgan

In mid-October, Representatives Dennis Ross (R-FL) and Ed Perlmutter (D-CO) introduced Bill H.R. 3794, which is aimed at expanding the Liability Risk Retention Act (LRRA) of 1986 to allow certain Risk Retention Groups (RRGs) to insure policyholders’ property risk. Specifically, the measure would allow RRGs to write property coverages for policyholders that are non-profit organizations […] Read More

Posted in: blog Risk Retention Group

Self-Insurance Program Keeps Workers Comp Costs in Line for Indiana Public Schools

Posted on: November 10, 2015 by Caitlin Morgan

Workers’ Compensation insurance for Indiana public schools provides employees – from teachers and teacher aides to food service staff to janitors and many more – with protection in case of injury or disease during the course of employment. It provides for medical expenses, lost income/wages, rehabilitation costs, death benefits and more. To keep Workers’ Comp […] Read More

Posted in: blog Workers Comp

A Look at the Exposures Medical Directors at Health Facilities Face

Posted on: October 29, 2015 by Caitlin Morgan

Often physicians serve as directors of surgery centers, assisted living facilities, nursing homes, hospital divisions and other medical facilities.  They may receive payment, and enjoy the prestige that comes with serving on a board. Their responsibilities as medical directors vary depending on the type of facility for which they serve. At a hospital, a medical […] Read More

Posted in: blog Healthcare Facilities