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.

About us

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:

Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Illinois, Iowa, Kentucky, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and Wisconsin.
Our mission
Claims-made policy

Our Professional Liability policies are written on a claims-made form. Under a claims-made policy, coverage is provided for claims made against the policyholder and reported to the insurance company while the policy remains in force and during any requested applicable extended reporting period. The claims-made policy can provide greater predictability in rate setting than other forms such as an occurrence form and has become the preferred policy form of coverage for the healthcare industry.
Our approach to loss control + claims

Sunland Risk Retention Group, Inc. has always been dedicated to fighting frivolous lawsuits, and providing aggressive defenses. Our loss control program can assist our insureds with quality assurance programs, claims prevention and in minimizing actual claims. Our insurance company is led by experienced insurance professionals in-house counsel, the best regional Defense Law Firms, nurses, and experts in health care operations.

In the event of a claim, trust that you are in good hands with our seasoned team of long-term care defense attorneys to shield your facility and to lessen interruptions to your business of care giving. Our claims management strategy is simple–provide an insured-focused and vigorous defense. When it matters most, we will provide a superior defense of your claim. You will have the ability to talk with your defense team directly at any time to discuss your claim status. We are committed to aggressive proactive claims management for positive resolution outcomes.
Strategic partnerships

Whether you own and operate one facility or own a small healthcare chain, we can offer you an alternative to traditional insurance carriers. Small facilities can enjoy consistent pricing that is generally only afforded large organizations. Unparalleled customer service has resulted in excellent customer retention rates since our program’s inception. Our goal is a long-term partnership. Your success is our success. Our underwriting standards allow us to maintain the ability to offer aggressive premium structures. If your organization has a favorable loss history and positive survey history, call us to obtain a quote.
Why choose Sunland?
- Longevity, (18 years) writing the same line of business (PL/GL) for the healthcare industry.
- History of aggressively defending claims for long-term care facilities.
- History of rating and pricing competitively compared to general marketplace pricing.
- Committed to loss control and resident safety programs.
- Knowledge and prior history in the Long-term industry.

Insurance is about much more than just a policy. It is about enabling you to protect your facility, your reputation, and your bottom line. Claims happen due to accidents and mistakes. Issues can arise, no matter how diligent your efforts. Unfortunately, businesses can be sued even if you did nothing wrong. The right support and communication can make all the difference during difficult moments. Our company wants you to know that if and when you experience a loss, you will be able to count on us. If you are looking for a stable carrier, cost-effective solutions, reasonable pricing, and a partner company who understands the complexities, challenges, and demands of the long-term care environment, please contact us to start the conversation.

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.

STABILITY

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!

Protection

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.

Benefits

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.

SOLUTIONS

WE PROVIDE SOLUTIONS FOR:

Claims-Made Professional Liability Coverage
Claims-Made General Liability Coverage

OTHER COVERAGES PROVIDED TO OUR INSURED:

Workers’ Compensation
Employment Practices Liability Insurance
Directors and Officers Liability Insurance
Errors and Omissions Insurance
Excess Insurance
Tail Coverage

WE ALSO OFFER:

Customized limit structure to meet client needs
Deductible rating plans (10k/25k/50k/75k)
Retro-date pricing
Ability to work with Agents and Brokers

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.

Sunland Risk Retention Group, Inc.

801 Broad Street | Suite 200
Chattanooga, TN 37402

602-421-2703

admin@sunlandrrg.com

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.