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About Us

Sunland Risk Retention Group, Inc. (SRRG)

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 19 states while maintaining a strong financial position, (DemoTech “A” Excellent).  We are currently licensed to operate in the following states:

Alabama, Arizona, Arkansas, Colorado, California, Florida, Georgia, Iowa, Illinois, Maryland, Michigan, Minnesota, Mississippi, Missouri, North Carolina, Tennessee, Texas, Virginia, Wisconsin

Our Mission

Our mission is to provide our insureds who meet our stringent underwriting standards, who have active loss control values, and desire a stable long-term Professional/General Liability insurance alternative program the very best in available liability programs.

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

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 client 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.


We provide coverage for:    

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

Other coverages provided to our insureds:

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