Insurance Solutions
Broad coverage, unmatched risk management & operational guidance at a competitive cost
Innovative Liability Insurance Solutions for Senior Care Providers
Future Care Risk Retention Group delivers tailored liability insurance for long-term care facilities and senior care providers across the country, including Professional Liability, General Liability, Employee Benefits Liability, and supplemental coverages.
Our expertise is built on deep knowledge of the senior care industry, empowering members with:
Broad Coverage — Professional Liability (PL), General Liability (GL), and Employee Benefits Liability (EBL).
Creative Underwriting — Flexible terms designed to meet the unique challenges of each facility.
Collaborative Risk Management — Programs that drive meaningful improvements in care and compliance.
Proactive Claims Strategies — Seamless support through our partnership with Pendulum Claims Management.
Future Care’s 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.
Through our risk management partners, Future Care provides so much more than just insurance coverage. We provide a robust risk management program tailored to the specific needs of each of our members. We’re also proud to offer affiliated tailored specialty programs that structures policies and procedures to provide a fortified defense to mitigate the severity of potential claims.
Coverage Highlights
Claims Made Coverage
Incident Sensitive Coverage Form
Broad Coverage Trigger
Professional Liability (PL)
General Liability (GL)
Employee Benefits Liability (EBL)
Extended Reporting Period (ERP)
Stand-Alone ERPs
Who We Cover
Our underwriting appetite includes:
Skilled Nursing Facilities
Assisted Living Facilities
Memory Care Communities
Independent Living Facilities Intermediate Care
Sub-Acute Care includes Tube Feeding, Ventilators, Tracheotomy and Complex Wound Care
Post-Acute Short Term
Continuing Care Retirement Communities (CCRCs)
Both For-Profit & Not-for-Profit Entities
Single location in a rural area to senior care facilities with multiple locations
Nursing home corporations with large chains that own facilities across the country
Expense Reimbursement Options
Resident Property Loss, Medical Payments, Legal/Media Expense, Evacuation Expense and Fire Legal Liability
Limits of Liability
From $100K/$300K to $1M/$3M
Separate Tower for PL & GL available
Limits Per Location available
Total Maximum Policy Aggregate $10M
Defense Expenses
Inside the Limits (standard)
Outside the Limits via endorsement
Deductible & Self-Insured Retentions (SIR)
Up to $500,000 per claim deductible options
Self-Insured Retention (SIR)
Additional Customized Layer Options
Affiliate Tailored Specialty Programs
Fronting Program
Rent-A-Captive
Captive Solutions, including Captive Management
Coverage Enhancement Options
Sexual Abuse & Misconduct
Personal and Advertising Injury
Medical Director for Administrator Services
Volunteer for Administrative Services
TRIA available
Administrative/Disciplinary Proceedings Cost
Property of Patient
Departed Entities Endorsement
At Future Care, we are proud to provide underwriting in 48 states across the country.
Captive Management
Risk Services is flexible enough to meet the service needs of all their captive clients. Having formed a large number of captives over many years, in multiple domiciles, the principals of Risk Services have the insight and knowledge to proactively address the issues that regulators may raise. Their familiarity with individual state requirements and nuances is unmatched and they pride themselves on the ability to meet all of a captive’s ongoing needs.
Application and Licensure
Multi-State Registration and Premium Tax Filings
Financial Management and Reporting
Regulatory Compliance Services
Troy Winch, Risk Services Vice President and Director of Captive Insurance, is a Certified Public Accountant who has over twenty five years of experience in the formation and management of captive insurance companies. He has worked with a diversified group of single parent captives, group/Association captives, Risk Retention Groups and segregated cell facilities. Troy’s client base includes a variety of industries such as transportation, auto warranty, health care entities, health care professional groups, long-term care facilities, higher education, retail, life insurance, travel, advertising, and non-profit organizations.
Michael Rogers, Chairman and CEO, is a Chartered Accountant and a Chartered Property Casualty Underwriter specializing in the formation and management of alternative market entities. He is an expert in the structuring of alternative market programs and is the key relationship manager responsible for the account during its formation, licensing and start-up phases. Michael also heads up the reinsurance intermediary division that has been very successful in seeking out reinsurers and fronting carriers who are familiar with the needs of captives and RRGs.
About Risk Services
With roots stemming back to the first true domestic captive domicile legislation in Vermont, Risk Services is one the oldest captive managers in the United States. They’ve managed well over one hundred captive insurance facilities and formed more Risk Retention Groups over the past decade than any other captive manager.
