CareFront Insurance is the only underwriter that prices the impact of care technology on senior living liability insurance premiums. Fall sensors, AI monitoring, smart building systems — regardless of vendor. Better technology, better premiums. Policies issued by Lloyd's of London.
Lloyd's of London — Capacity | 20+ Years — Healthcare Underwriting | Vendor Agnostic — Technology Credits
Nursing home liability insurance is a specialized coverage program that protects senior living and long-term care facilities against claims arising from professional negligence, bodily injury, and property damage. It includes professional liability, general liability, abuse and molestation coverage, and excess liability.
CareFront Insurance specializes exclusively in this coverage, backed by Lloyd's of London capacity, and is the only MGA that provides vendor-agnostic technology credits — pricing the measurable impact of care technology on liability risk.
Coverage availability, terms, and eligibility may vary by state and are subject to individual underwriting review.
Care technology demonstrably reduces liability exposure in senior living facilities. CareFront is the only underwriter that translates these risk reductions into concrete premium credits, regardless of which technology vendor a facility uses.
Statistics sourced from published technology vendor data, peer-reviewed studies, and industry actuarial analyses — not claims made by CareFront Insurance.
Facility A — Traditional Operations: 120-bed assisted living with 30-bed memory care wing. Pull-cord nurse call, manual incident reporting, paper-based wound documentation. No fall detection, no wandering prevention beyond locked exits. Estimated annual premium: ~$414,500.
Facility B — Technology-Enabled (CareFront Pricing): Same 120-bed community, same claims history, same state. AI fall detection, RTLS with geofencing, electronic medication management, digital wound care. Estimated annual premium: $310,900–$352,400. Annual savings: $62,100–$103,600.
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.
CareFront doesn't sell technology — we price its impact on liability risk. Traditional underwriters price every facility the same based on bed count and loss history, ignoring the technology investments that measurably reduce exposures. Falls account for 45% of all senior living liability claims ($226,000 average indemnity). Elopement settlements average over $600,000.
We evaluate your complete technology stack against our proprietary framework. Any vendor, any platform, any combination.
Measurable risk reductions earn concrete underwriting credits. For a technology-enabled 120-bed facility, that can mean $62,000–$104,000 in annual premium savings compared to traditional pricing.
Better documentation settles claims 3+ months faster. We help you build the data-backed renewal story.
CareFront evaluates 20 technology categories across 6 domains of senior living risk.
CareFront Insurance is a Managing General Agent (MGA) backed by Lloyd's of London capacity, specializing in professional and general liability insurance for technology-enabled senior living and long-term care facilities. A division of Stock Insurance Group, Inc. DBA Recapture Insurance, with over 20 years of healthcare underwriting expertise, CareFront is the only MGA that provides vendor-agnostic underwriting credits for care technology.
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.
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.
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.
Nursing home liability insurance is a specialized coverage program protecting senior living facilities against claims from professional negligence, bodily injury, and property damage. It typically includes professional liability, general liability, abuse and molestation coverage, and excess liability. CareFront specializes in this coverage with Lloyd's of London capacity.
Facilities deploying fall detection sensors, AI-powered monitoring, RTLS tracking, and other care technologies can demonstrably reduce liability exposure. Published data reports fall detection technology can reduce falls by up to 40% and fall-related ER visits by up to 80%. CareFront translates validated risk improvements into real underwriting credits.
A technology-agnostic underwriter evaluates the impact of any care technology on liability risk — regardless of which vendor provides it. Unlike MGAs that partner with a single analytics platform, CareFront prices the outcome rather than requiring facilities to use a specific vendor.
Assisted living facilities (ALF), skilled nursing facilities (SNF), memory care communities, CCRCs, independent living facilities, and adult day care centers. Both for-profit and not-for-profit entities.
Work with a licensed insurance broker who specializes in senior living. Your broker will need an ACORD application, 5-year loss runs, census data, state survey results, and a technology questionnaire. CareFront provides 48-hour appointment turnaround for brokers.
Invest in care technology that demonstrably reduces liability risk. Fall detection can reduce falls by 40%, RTLS prevents elopement ($600K+ average settlement), and electronic medication management reduces errors. CareFront is the only underwriter providing vendor-agnostic credits for these technologies.
Claims-made policies cover claims reported during the policy period. Occurrence policies cover incidents during the policy period regardless of when the claim is filed. CareFront offers claims-made coverage, standard in healthcare liability because it provides more predictable loss development.
General liability for senior living covers bodily injury and property damage claims from third parties — visitor slip-and-falls, property damage, advertising injury, and personal injury. It is typically paired with professional liability, which covers negligence in care delivery.
CareFront is vendor-agnostic. We evaluate and credit care technology from any provider — established platforms, emerging startups, or proprietary systems built in-house.
Lloyd's of London capacity — the world's leading specialty insurance market. A-rated security with over 20 years of healthcare underwriting expertise.
Start placing tech-enabled senior living accounts. 48-hour appointment turnaround. Competitive commission on new and renewal business. Dedicated underwriter — direct access, no queues.