Our Story
A Vision Built for a Better Solution
Created in response to the instability facing senior care providers in the insurance market, Future Care Risk Retention Group (FCRRG) is the solution for the professional liability, general liability, and employee benefits liability insurance marketplace.
In 2020, Gregory Cook, CPCU, ACI, MBA, CPA, ARM, along with Dr. Robert Pope and Dr. Daniel Hafendorfer, envisioned an insurance solution tailored to the complex realities of senior care. They saw a market where traditional carriers had grown inconsistent—raising premiums, narrowing coverage, and withdrawing defense support just when providers needed it most. In response, they designed a better solution: a member-owned model where senior care providers can unite to protect their residents, strengthen their operations, and achieve long-term financial security.
More than eighteen months of planning went into selecting the partners who would help realize this vision. From risk management and claims expertise to underwriting, reinsurance, and captive management, Future Care’s team and partners represent the gold standard in senior care liability protection. The common thread between them is a deep, authentic passion for their jobs and a sincere commitment to excellence and exceeding standards and client expectations.
“Senior Care facilities find themselves up against an indifferent traditional market that has given up on defending their insureds against aggressive plaintiff attorneys, while at the same time sending out double digit percent renewal increases. The need for a solution was clear, to provide senior care providers with a better option.”
Our Mission
Future Care RRG is dedicated to empowering long-term care providers through innovative insurance solutions, collaborative risk management, and proactive claims strategies. Our mission is to foster a community of like-minded owners and operators who are committed to delivering exceptional care while navigating the complex challenges of the industry. By prioritizing membership, collaboration, and representation, we provide custom-developed coverage and support that drive excellence and sustainability in long-term care
What Is a Risk Retention Group (RRG)?
A Risk Retention Group (RRG) is a specialized liability insurance company owned and governed by its members—organizations that share similar professional risks. RRGs provide an alternative, tailored insurance solution for senior care and long-term care providers facing increasing challenges and volatility in the traditional market.
What are the Benefits of a Risk Retention Group for Long-Term Care Providers?
For long-term care providers, joining a Risk Retention Group offers more than coverage—it provides partnership, control, and shared expertise. Members gain access to tailored insurance solutions and underwriting built around the realities of care delivery, along with a voice in governance that ensures decisions serve their collective interests. The result is greater stability, collaboration, and long-term financial strength for both providers and the communities they serve.
