The Fit
Cascadia operates 45+ skilled-nursing and post-acute facilities across Idaho, Washington, Oregon, Montana, and Arizona. That is a five-state P&C footprint with five distinct regulatory frameworks, a holding-company structure with multiple subsidiaries, and a workforce profile that drives the largest premium line on the program. Team Haugen brokers exactly this kind of account.
Carrier markets, class codes, and compliance nuances in Idaho, Washington, Oregon, Montana, and Arizona. Five states are part of how we work, not a stretch we have to grow into.
At your scale, WC is the largest premium line on the program. We approach the market with an underwriter's eye: experience modifier analysis, payroll classification audits, and loss control partnerships that move the needle on premium.
Cascadia HC Group LLC, Cascadia Holdco LLC, the Medicare Advantage ISNP, and affiliated home health and hospice lines. We build entity-level schedules, shared limits, and additional insured architecture that match how the business actually runs. Not one size fits all.
You add locations on acquisition timelines. We do this routinely: schedules adjusted, coverage secured, no gap between close and bind.
Skilled Nursing & Post-Acute Care
Operating 45+ skilled-nursing facilities across five states places Cascadia in one of the most insurance-intensive sectors of commercial lines. A physically demanding workforce, a medically vulnerable resident population, a multi-state property portfolio, and heavy CMS and state regulatory oversight define the program. Here is the risk picture we see when we look at how your operation actually runs.
Five States, Five Frameworks
Idaho, Washington, Oregon, Montana, and Arizona each enforce their own workers' compensation rules, class codes, and rate structures. A program built for one of those states leaves premium and compliance gaps in the other four. Idaho rates alone run roughly 12% above the national average, so payroll-driven premium at your scale is significant.
Nursing Workforce
Nursing staff carry the highest WC injury rates of any sector, with patient-lifting musculoskeletal injuries the #1 driver. Industrywide turnover above 50% at some facilities keeps experience modifiers elevated. With 45+ facilities and a workforce likely in the 2,000 to 4,000+ range, total payroll exposure is enormous and warrants underwriter-grade attention.
Holding-Company Architecture
Cascadia HC Group LLC, Cascadia Holdco LLC, wholly-owned subsidiaries, affiliated home health, hospice, home care, assisted living, memory care, plus a Medicare Advantage ISNP. The P&C program spans multiple NAICS codes and needs to be structured across entities. D&O and regulatory liability layers sit on top of standard SNF exposure.
Workers' Compensation
At a 45+ facility skilled-nursing operator with a likely 2,000 to 4,000+ employee workforce, Workers' Comp is the largest premium line on the program. Nursing class codes carry the highest injury rates of any industry. Patient-lifting musculoskeletal injuries are the #1 claim driver. Five states each set their own rules. This is where the program is won or lost.
Experience modifier analysis is where premium gets recovered. We pull the detail behind the mod, surface miscoded payroll, identify claims that should not be in the calculation, and work the levers carrier underwriters actually respond to.
Idaho, Washington, Oregon, Montana, and Arizona each classify nursing payroll under their own state rules. Payroll classification audits catch the misallocations that quietly inflate premium across a multi-state operation.
Patient-handling injuries are the #1 driver of nursing WC claims. We partner with safety and loss control resources focused on the controls that actually reduce frequency, not generic safety templates.
With 25 facilities in Idaho and Idaho rates running roughly 12% above the national average, the Idaho block is the largest single chunk of payroll-driven WC premium on the program. We treat it that way.
The Expert Behind the Program
VP, Workers' Compensation
Mike Godfrey serves as Vice President, Workers' Compensation for HUB International and is one of the senior workers' compensation specialists on Team Haugen. With decades of experience advising Oregon businesses on workers' compensation strategy, claims management, and cost containment, Mike brings a deep technical understanding of the workers' compensation marketplace and how to structure long-term solutions for employers.
Prior to joining HUB International, Mike held a leadership role with Ward Insurance Agency, where he specialized in workers' compensation consulting and client advocacy. Throughout his career, he has worked closely with businesses, public entities, and safety teams to help reduce claim frequency, improve loss performance, and create sustainable workers' compensation programs.
Mike is actively involved in the Oregon workers' compensation community and has served in advisory leadership roles with SAIF Corporation, collaborating with agency leaders and industry professionals on workers' compensation trends, market conditions, and employer solutions statewide.
Known for his steady, practical approach and extensive industry knowledge, Mike serves as a key resource for clients navigating complex workers' compensation challenges, from program design and experience modification management to claims strategy and carrier negotiations. Clients value his experience, responsiveness, and ability to simplify complicated workers' compensation issues into actionable solutions.
Professional & General Liability
Skilled nursing carries some of the highest professional liability claim frequency and severity of any sector. Resident falls, medication errors, pressure injuries, and allegations of neglect each carry a multi-facility aggregate path that can pressure the umbrella tower. CMS and state survey deficiencies sit upstream of litigation risk. This is the second pillar of the program.
PL and GL underwriters price SNFs on both axes. We build submissions that show carrier markets the operational controls behind each claim category: fall risk assessment, medication administration protocols, pressure injury prevention, and abuse prevention training.
A pattern of claims across multiple facilities can stack and pressure your umbrella tower. We structure shared limits and per-location attachment to absorb the multi-facility profile without overpaying for redundant horizontal coverage.
CMS and state survey findings can increase litigation risk and tighten carrier appetite. We help clients tell the survey story honestly to underwriters: what was cited, what was remediated, and the operational changes that followed.
Required coverage for any licensed residential care environment. We treat it as a primary line item with its own market discipline, not an afterthought wrapped into general liability.
Additional Coverages
Workers' Comp leads. Professional and General Liability sits beside it. From there, the program rounds out across property, excess, cyber, fleet, and the lines that sit on top of a multi-state holding-company architecture. Here is how we treat each one.
Your Team
Workers' Comp expertise, account discipline, claims, and risk management. The full bench Cascadia gets when Team Haugen takes on the program.
SVP, Commercial Lines / Team Haugen Lead
Associate Advisor, Commercial Lines
Associate Advisor, Commercial Lines
Private Client Risk Advisor
Private Client Risk Advisor
Vice President, Workers' Compensation
Workers' Compensation Claims Analyst
Insurance Adjuster
Client Services Advisor
CL Sr. Account Manager
CL Account Manager II
CL Account Manager II
CL Account Manager II
Sr. Risk Management Consultant
CL Account Manager
CL Account Manager
Schedule a working session with Logan Haugen and the Workers' Comp team to walk through how we would structure Cascadia's program from the WC backbone outward, across all five states and every entity.
SCHEDULE A CALL