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Solutions that Adapt to the Ever-changing Risks
of Senior Care with Customized Coverages and Options.

ABOUT US Insurance Solutions to Protect Your Passion

Sunland Risk Retention Group, Inc. (SRRG) is an insurance company domiciled in Tennessee providing medical malpractice liability insurance for the long-term health care industry, including skilled nursing homes, assisted, independent living facilities and rehabilitation facilities.  Senior living facilities provide an invaluable service by caring for the elderly in our communities.  Thousands of baby boomers turn age 65 every day.  This means increased need for senior healthcare services over the next decade as these baby boomers retire.  Though beneficial for the industry, it carries risk for your organization.  Fortunately, SRRG is a liability company for long-term care facilities constructed by those with experience in the healthcare field.

Sunland Risk Retention Group, Inc. is a recipient of  an “A” Exceptional rating from Demotech, the first financial analysis company to review and rate specialty insurance companies like ours. This rating is an indication of our company’s financial stability.

SRRG has always been dedicated to controlling premiums, fighting frivolous lawsuits, and providing aggressive defenses. We are committed to responsible underwriting which has allowed us to always operate from a position of financial stability.

Our “A” Rating reflects Demotech, Inc.’s confidence in Sunland Risk Retention Group’s ability to comfortably meet its future payment obligations regardless of current economic conditions.

Sunland Risk Retention Group Demotech A Exceptional Rating Logo


Sunland Risk Retention Group, Inc. is dedicated to responsible underwriting which has allowed us to always operate from a position of financial stability.  We have continually maintained a Financial Stability rating of A, Exceptional, from Demotech Inc., our industry’s rating bureau. This rating has been preserved while expanding into many states…and we continue to grow!



For decades, Sunland Risk Retention Group, Inc. and its affiliates have been committed to providing the Healthcare industry unsurpassed Professional and General Liability protection.  Controlling premiums, fighting frivolous lawsuits, providing aggressive defenses, and commitment to underwriting excellence has always been our unwavering goal.



Our business was formed to give the long-term healthcare industry an affordable, responsive and knowledgeable alternative when purchasing liability coverage.  Your business will be thoughtfully underwritten, and the best rates and program structure provided with the protection of your assets in mind. A few benefits that we provide include assistance with Loss Control and Resident Safety Programs and personal visits to your facility.



  • Skilled Nursing Facilities
  • Assisted Living Facilities
  • Independent Living Facilities
  • Memory Care Facilities
  • Rehabilitation Facilities
  • Continuing Care Retirement Communities
  • Personal Care Communities


  • Licensed, Admitted Insurer, No Surplus Lines Taxes
  • A-Exceptional Demotech Rating
  • 97.6% Client Renewal Ratio
  • Claims-made and Reported Policy
  • Separate Towers (GL and PL Limits)
  • First Dollar Options
  • Deductible Options Available
  • Sexual Misconduct Included for the Named Insured
  • Medical Directors Covered as Insureds
  • Volunteers and Students in Training as Insureds
  • Defense Expenses are within the Limits of Liability
  • Notice of Occurrence
  • Additional Coverages Offered: Excess General Liability / Terrorism Coverage / Tail Coverage / Errors & Omissions / Directors & Officers / Employment Practices Liability/Employee Benefits Liability/Personal & Advertising Injury
  • On-Site Risk Assessments

Our Coverage Areas


Sunland Insurance Companies are based in the scenic Tennessee valley. Our offices are in the heart of the city at 801 Broad Street, Ste 200, Chattanooga, Tennessee 37402.

We began our journey in this industry as owners of skilled nursing facilities as well as small specialty insurance companies.  Twenty years ago, obtaining professional liability insurance for our facilities became very challenging.  Traditional insurers made it difficult to obtain insurance due to rising premiums, fluctuating coverages, and many exclusions. Sometimes it was just too expensive or not possible to obtain coverage at all. To counteract this trend, the ownership of SRRG formed their first insurance company in 2002.  Our experience and expertise as both a provider and a risk bearer help us understand the needs of the long-term care owners, operators, and management companies.  Since this beginning, we have successfully expanded into many states while maintaining a strong financial position, (DemoTech “A” Exceptional). 

We are currently licensed to operate in the following states: AL, AZ, AR, CA, CO, FL, GA, IL, IN, IA, KY, MD, MI, MN, MS, MO, NE, NC, OH, PA, SC, TN, TX, VA, WV, and WI.

While your healthcare professionals take care of those that matter most, your residents, we will take care of you.  From professional liability and general liability coverage, we offer insurance solutions designed to address your individual needs.

Let us help protect your assets and personnel.

Contact Us

Sunland Risk Retention Group, Inc.

801 Broad Street  |  Suite 300
Chattanooga, TN 37402

The policies issued by Sunland Risk Retention Group, Inc. may not be subject to all the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for risk retention groups.

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