Today over three million Americans receive care in nursing homes and skilled nursing home facilities throughout the United States. These facilities provide a variety of services, both medical and personal care, to people who are unable to manage independently in the community. As a result of the services provided and the staffing required to administer these services, nursing homes, face a broad spectrum of liability exposures, including general and professional negligence. This includes slips and falls, elopement, abuse claims, errors in medication doses and other risks.

Midwest Insurance Group, a Risk Retention Group (RRG), managed by MGU and wholesaler Caitlin Morgan provides liability solutions for nursing homes seeking ways to reduce their insurance expenses and maintain control of their costs. The RRG was established to help minimize litigation.

Combined General Liability & Professional Liability Available

Both General Liability and Professional Liability insurance is available for nursing homes. Primary coverage is available with $1 million and 3 million limits. Excess limits are available up to $10 million. The benefits to becoming a member of Midwest Insurance Group in addition to gaining control over cost drivers includes:

  • Occurrence Form Available: There is no need to worry about purchasing an extended reporting period endorsement with the newly offered occurrence form.
  • Critical Incident Reporting System Provided Free of Charge: Software provided by Critical Incident Technologies (CIT) enables health care professionals to quickly, easily, and accurately track, manage and retrieve daily incidents.
  • Ownership of Midwest Insurance Group is by Indiana Facilities: Indiana facility owners and operators serve on the company’s Board of Directors helping to oversee all aspects of the company.
  • Dedicated Defense Firm: Claim payouts have been significantly reduced, compared to the industry, allowing for reduced premium rates for our members.