Overview of the Program From Caitlin Morgan Insurance Services
This Medical Malpractice Insurance program is structured for agents who need an admitted-capacity offering in Indiana with a strong underwriting partner. The program supports complex physician group placements and hospital staff liability through primary limits up to $250,000/$1,250,000, optional self-insured retentions (SIRs), and extended reporting period options. Defense costs are paid outside the policy limits and the program participates in the Patient Compensation Fund (PCF).
Ideal Accounts and Appetite
- Large physician and surgeon groups and multi-specialty practices
- Hospital staff and affiliated clinicians
- Practices seeking admitted paper with optional excess placement
- Accounts that can benefit from participation in the state PCF
Generally not a fit: solo practitioners seeking only high-risk specialty coverage without hospital affiliation, accounts outside Indiana, or accounts requiring limits well above the stated primary limits without an appropriate excess structure.
Coverage Highlights and Advantages
- Primary or excess professional liability — flexible placement options
- Choice of claims-made or occurrence policy forms
- Primary limits available up to $250,000 per claim / $1,250,000 aggregate
- Participation in the Patient Compensation Fund (PCF)
- No minimum premium required, allowing flexibility for larger consolidated programs
- Extended reporting period (tail) options available
- Optional SIRs to tailor pricing and retention strategies
- Defense costs paid outside policy limits
- Underwritten by an A-rated carrier partner (Midwest Insurance Group)
Underwriting Notes and Submission Guidance
Underwriting looks for consolidated exposure data, favorable risk management practices, and details on hospital privileges and credentialing. Include the following when you submit: current loss runs (minimum three years), list of providers with specialties, claims history summaries, and details on any risk management programs in place. Optional SIRs are available to help manage premium and retention — discuss SIR structures with the underwriter for larger groups.
Territories and Licensing
This program is available for accounts writing in Indiana only. The product is offered through Caitlin Morgan Insurance Services with capacity provided by Midwest Insurance Group. Please confirm admitted paper availability and state-specific requirements for each submission.
Why Place Medical Malpractice with Caitlin Morgan Insurance Services
Caitlin Morgan combines captive program flexibility with an experienced underwriting partner to serve larger physician groups and hospital staff. Agents benefit from tailored SIR options, an admitted-market solution in Indiana, and a carrier with an A.M. Best A rating. The program is designed to simplify placement for complex, multi-provider accounts while preserving important coverages like defense outside limits and PCF participation.
Medical Malpractice Program
Contact:
Chris Murray
P: 800-723-7475, Ext. 233
[email protected]
Frequently Asked Questions
What types of accounts are a good fit for this Medical Malpractice program?
The program is geared toward large physician and surgeon groups, hospital staff, and multi-specialty practices operating in Indiana that need admitted coverage, flexible limits, and options like SIRs and extended reporting periods.
Can I place both primary and excess layers through this program?
Yes. The program supports primary and excess professional liability placements. Discuss desired limit structures and any excess placement needs with the underwriter at submission.
What submission materials does underwriting require?
Provide recent loss runs (preferably three years), a roster of providers and specialties, claims summaries, credentialing and privileging information, and details on any risk management or patient safety programs.
Is this coverage available outside Indiana?
No. This specific program is available for Indiana accounts only. Confirm state eligibility for each case before submission.
Need help placing an account? Connect with a market specialist.