Senior Living Liability Insurance. Technology Rewarded.
CareFront is a Program Manager with capacity provided by an A- VIII rated carrier specializing in professional and general liability for senior living and long-term care facilities. We write the full market — and we're the only underwriter that prices the measurable impact of care technology into premiums.
Distributed exclusively through independent agents and brokers.
A- VIII Rated
Capacity
20+ Years
Healthcare Underwriting
Vendor Agnostic
Technology Credits
What We Write
Full-Spectrum Senior Living Coverage
CareFront writes professional liability, general liability, abuse & molestation, excess liability, and hired/non-owned auto for all senior living and long-term care facility types. Every qualified facility. Every state.
Facility Types
Assisted Living Facilities (ALF)
Skilled Nursing Facilities (SNF)
Memory Care Communities
Continuing Care Retirement Communities (CCRC)
Independent Living Facilities
Adult Day Care Centers
Lines of Coverage
Professional Liability (E&O)
General Liability (BI/PD)
Excess Liability
Abuse & Molestation
Hired/Non-Owned Auto
$1M/$3M Primary
|Aggregates to $10M
|Multiple Deductible Structures
|Claims-Made
|Nationwide
Coverage availability, terms, and eligibility may vary by state and are subject to individual underwriting review. The facility types and criteria listed above are general guidelines and do not guarantee coverage or specific terms. All insurance is subject to the terms, conditions, and exclusions of the applicable policy.
Why CareFront
The Only Underwriter That Prices Technology's Impact
We Write Everything
Traditional facilities, tech-enabled facilities, and everything in between. Your account doesn't need sensors to qualify — but if it has them, your client saves money.
Technology Credits, Any Vendor
We evaluate 20 technology categories across 6 risk domains. Fall detection, RTLS, eMAR, predictive analytics — any vendor, any platform. Measurable risk reduction earns concrete premium credits.
A- VIII Rated Capacity
Capacity provided by an A- VIII rated carrier. Backed by 20+ years of healthcare underwriting expertise behind it.
Technology Credits
Better Technology. Better Premiums.
Traditional underwriters price every facility the same — bed count and loss history. CareFront evaluates your client's entire technology stack and translates validated risk reductions into real underwriting credits. For a technology-enabled 120-bed facility, that can mean $62,000–$104,000 in annual premium savings compared to traditional pricing.
Facility A — Traditional Operations
120-bed ALF with 30-bed memory care wing. 95% occupancy. Pull-cord nurse call, manual incident reporting, paper-based documentation. No fall detection or wandering prevention beyond locked exits.
Estimated Annual Premium
~$0
CAREFRONT PRICING
Facility B — Technology-Enabled
Same 120 beds, same claims history, same state. AI fall detection, RTLS with geofencing, electronic medication management, digital wound care. ~$60K/year technology investment.
Estimated Annual Premium
$310,900–$352,400
Annual Savings
$62,100–$0
All premium figures are illustrative only and subject to individual underwriting evaluation. They do not constitute a quote, binder, or guarantee of coverage or pricing.
Send the CareFront application below (or an ACORD with it), 10 years of currently valued loss runs, and the most recent state survey. Operators with 4 or more locations add the Location Schedule. Technology-enabled operators add the Care Technology Questionnaire.
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Assess & Quote
Our underwriting team evaluates the risk. If the facility uses care technology, we run our proprietary assessment and apply vendor-agnostic credits. You get a competitive quote with full transparency on how tech credits were calculated.
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Bind & Improve
Bind coverage with A- VIII rated capacity behind it. At renewal, better documentation and technology adoption drive better terms. We help you build the data-backed renewal story.
SUBMISSION FORMS
Download the Application
Fillable forms. Type directly into the PDF or print and complete by hand. One signature per application.
Start placing senior living accounts with A- VIII rated capacity. 48-hour appointment turnaround.
A- VIII rated capacity for senior living GL/PL
Competitive commission on new and renewal business
Vendor-agnostic technology credits for your clients
Dedicated underwriter — direct access, no queues
48-hour appointment turnaround
Digital submission portal access
Or Contact Directly
Underwriting
underwriting@carefrontinsurance.com
General Inquiries
info@carefrontinsurance.com
Claims Reporting
claims@carefrontinsurance.com
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About CareFront
Insurance veterans who saw what traditional carriers were missing
CareFront Insurance is a Program Manager with capacity provided by an A- VIII rated carrier, specializing in professional and general liability insurance for technology-enabled senior living and long-term care facilities. With over 20 years of healthcare underwriting expertise, CareFront is the only Program Manager that provides vendor-agnostic underwriting credits for care technology — evaluating fall detection sensors, AI-powered monitoring, RTLS tracking, smart building systems, and other innovations from any vendor to price their impact on liability risk. CareFront writes assisted living facilities, skilled nursing facilities, memory care communities, CCRCs, independent living, and adult day care nationwide.
While traditional insurers price risk on bed count and claims history alone, CareFront was built on a different thesis: that technology-forward operators who invest in better care outcomes deserve insurance pricing that reflects the measurably lower risk profile their technology creates. Industry actuarial data shows falls account for 45% of all senior living liability claims, with average indemnity payments exceeding $226,000 and climbing. Published vendor and peer-reviewed studies report that fall detection systems can reduce falls by up to 40%, while RTLS technology helps prevent elopements that have historically settled for $600,000+. Automated documentation strengthens claims defense and accelerates resolution. CareFront translates these published outcomes into underwriting credits.
Capacity Partner
A- VIII Rated Carrier
Capacity Partner
Leadership
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Zach Stock
Founder & CEO
20+ years in specialty insurance. Licensed P&C producer at 20, successful exit by 25. CRM designation. Built CareFront on the thesis that technology-forward operators deserve insurance pricing that reflects their investment in better care.
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Forrest Pullen
VP / Chief Underwriting Officer
Deep expertise in senior living and healthcare liability underwriting. Leads CareFront's underwriting operations and technology assessment framework development.
FAQ
Questions brokers ask
A technology-agnostic underwriter evaluates the impact of any care technology on liability risk — regardless of which vendor provides it. Unlike programs that partner with a single analytics platform, CareFront prices the outcome (fewer falls, faster response times, better documentation) rather than requiring facilities to use a specific vendor. If a technology demonstrably reduces risk, we credit it.
Facilities deploying fall detection sensors, AI-powered monitoring, RTLS tracking, and other care technologies can demonstrably reduce liability exposure. Published vendor data and peer-reviewed studies report that fall detection technology can reduce falls by up to 40% and fall-related ER visits by up to 80%. CareFront's proprietary Technology Assessment Framework evaluates these vendor-reported reductions and translates validated risk improvements into real underwriting credits.
Assisted living facilities (ALF), skilled nursing facilities (SNF), memory care communities, continuing care retirement communities (CCRC), independent living facilities, and adult day care centers. Both for-profit and not-for-profit entities. Single locations and multi-site operators.
CareFront is vendor-agnostic. We evaluate and credit care technology from any provider — whether it's an established platform, an emerging startup, or a proprietary system built in-house. Our assessment is based entirely on what the technology does to reduce risk, not on who manufactures it. If it demonstrably lowers fall frequency, prevents elopements, improves documentation, or reduces any other liability exposure, we want to understand it and credit it.
Request appointment through carefrontinsurance.com or contact our underwriting team directly. The process takes approximately 48 hours from initial request to confirmed appointment. Requirements include active P&C producer licensing and E&O coverage. Once appointed, brokers receive submission guidelines, marketing materials, a technology questionnaire template for operators, and a dedicated underwriter.
Most senior living insurers either ignore technology entirely (pricing on bed count and claims history alone) or partner with a single analytics vendor, locking operators into one technology relationship. CareFront evaluates and credits technology from any provider. This means every technology-forward facility — regardless of their tech stack — has the opportunity for more competitive pricing based on their actual forward-looking risk profile.
CareFront programs are supported by capacity provided by an A- VIII rated carrier. This provides strong financial security with the flexibility and speed of a specialized Program Manager, backed by over 20 years of healthcare underwriting expertise.
A complete submission includes: ACORD application, 5-year loss runs valued within 90 days, current census and acuity data, most recent state survey or inspection results, CMS quality data (for SNFs), and our technology questionnaire. We provide the technology questionnaire template — a fill-in-the-blank form you can send directly to the operator to collect their technology stack data.
No. CareFront writes facilities at all technology maturity levels. Technology is not a prerequisite for coverage — it's an opportunity for better pricing. A facility with no technology can still be quoted; a facility with a robust technology stack will receive pricing that reflects its lower forward-looking risk profile.
Some programs partner with a single analytics or monitoring vendor and deploy that vendor's platform after binding coverage. This creates value for facilities using that specific platform, but provides no benefit to the majority of facilities that use different technology. CareFront evaluates any technology from any provider and credits the risk reduction regardless of who provides it. The operator chooses the best technology for their community; CareFront prices the outcome.