Liability Insurance for Long-Term Care Facilities
As a valued member, you are more than an insured.
Future Care is your committed partner in risk and resilience.
8,800+
48
100+
Number of Beds Insured
States
Years of Experience
Providing Coverage, Control & Collaboration for Senior Care Providers
At Future Care Risk Retention Group, Inc. we offer liability insurance for long-term care facilities and senior care providers nationwide. We specialize in tailored Professional Liability (PL), General Liability (GL), Employee Benefits Liability (EBL), and supplemental coverages that protect your operations in today’s challenging environment. Our member-owned model delivers greater control and financial stability than traditional insurance carriers and our members benefit from a collaborative risk management approach, proactive claims strategies, and hands-on support.
Why Choose Future Care RRG?
What are the advantages of a risk retention group over traditional liability insurance companies? Future Care RRG is owned and governed by its members, which means every decision is member-driven. Unlike traditional carriers, we empower senior care providers with greater control, financial security, and long-term stability. Our deep expertise in the senior care industry shapes our underwriting, risk management, and claims strategies—allowing us to offer tailored policies that address the full spectrum of care, reduce claims costs, and strengthen quality outcomes. With collaborative, hands-on support at every stage, Future Care RRG provides the innovative insurance solution to the challenges senior care providers face in today’s marketplace.
Future Care Risk
Retention Group
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Is Member-owned
Creates personalized coverage plans
Provides litigation risk management
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Benefits Comparison
A Traditional
Insurance Company:
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Is committed to protecting member facilities
Provides stable premium
Provides multiple extra services and resources
Is committed to hands-on service
Provides a return on the investment through dividend
Trusted and Compliant
Future Care RRG is proud to meet the highest standards of trust and compliance, ensuring that our members are always in line with both regulatory requirements and industry best practices. Our dedication to compliance is exemplified by our adherence to HUD governance requirements, which are critical for long-term care facilities that rely on federal funding and support. As an A-rated carrier, backed by AM Best ‘A’ rated reinsurance partners and a Demotech ‘A, Exceptional’ rating, we provide the financial stability our members need to operate with confidence.
Reinsurance Partners AM Best “A” Rated
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Approved by HUD
Financial Stability Rating (FSR) of A, Exceptional, by Demotech, Inc.
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When you join Future Care RRG, you’re more than just a policyholder—you become an owner and an investor.
Membership includes the ability to communicate clearly and openly during various annual meetings and direct contact options, ensuring your voice is heard and your needs are met. Learn more about the Future Care mission and our commitment to comprehensive coverage, control & stability, and expertise in long-term care.
Risk Management & Claims Support
Effective risk management for senior care providers requires more than generic resources — it demands advocacy, support, and strategies built around each facility’s unique challenges. With decades of combined underwriting and claims experience, our team delivers customized risk management plans, a legal risk management platform, and flexible coverage structures, including deductibles and self-insured retentions. This integrated approach, paired with comprehensive claims support through our Pendulum partnership, helps providers reduce liability exposure, control costs, and improve confidence in an increasingly complex environment.
What Members Are Saying
“We have experienced exceptional risk mitigation approaches in partnership with Future Care RRG. Having full access to best legal advice in Long Term care industry along with shared best operational and clinical practices has been highly valuable to us.”
— Mazy Sehrgosha, CEO, Premier Senior Living
“The Future Care team has proven to be best in class within the Senior Living marketplace. We are proud to partner with them and look forward to continue providing the perfect client experience.”
— Rusty Hughes, President, Birmingham Professional Liability
“As an industry leading captive manager, we interact with numerous RRGs. Future Care embodies strong ethics and client focused decision making with heavy emphasis on a team centric approach to best serve its members.”
— Michael Rogers, CEO, Risk Services, LLC
