Caregivers United Liability Insurance Company, RRG (CULIC)

Professional & General Liability

Caregivers United Liability Insurance Company, RRG (CULIC) was created as a response to the absence of Professional & General Liability Insurance for long term care facilities in Mississippi.  The withdrawal of companies from the nursing home liability insurance market resulted in the total absence of “admitted carriers” and the few remaining “surplus lines carriers” were using pricing models, which for practical purposes ruled out the possibility of purchasing coverage.  CULIC began operations on January 1, 2003.

Our Mission

Is to provide a stable and reliable source of liability coverage for professionally operated facilities that meet all of the professional standards, safety codes, and requirements applicable.

Our underwriting process includes appropriate consideration for prior losses; however, a greater emphasis is placed on physical plant condition, quality of staff, recent state surveys, and the attitude of the owners of the prospective facility.

Approved facilities are required to attend a pre-coverage Risk Management Workshop and are subject to mandatory minimal standards for continued participation.

Policy Features

  • Limits of liability:  100K/200K     100K/300K     250K/500K    250k/750K
  • $15,000 or $27,500 per claim deductible
  • Owned by the participants
  • Premium based on number of licensed beds

Claims-made policy

  • Defense costs within policy limits are applied toward deductible

Premium Payments

  • Monthly
  • Quarterly
  • Annually

Additional Information

  • 74 facilities insured
  • Claims management and loss prevention services provided at no additional cost
  • Loss prevention compliance is mandatory
  • Daily review of incident reports
  • Four active, standing committees comprised of owners & operators of long term care facilities
  • Licensed, South Carolina Domiciled, Risk Retention Group
  • A.M. Best Rated A – Excellent

For More Information About CULIC Please Contact MHCISC:

282 Commerce Park Drive
Ridgeland, MS 39157

Phone:  (601) 707-2471
Toll Free:  (888) 927-9227
Admin Fax:  (601) 707-2482
Claims Fax:  (601) 707-2481