
Senior Living Insurance
Want to differentiate yourself from the competition, increase your business and enhance your retention rate?
CareAgents, today’s leading insurance program for assisted living and skilled nursing communities, can help you meet the needs of your senior living clients with specialized coverages, smart technology, and reinsurance capabilities.
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About CareAgents
For more than 20 years, CareAgents by K&B has been an insurance leader in the senior living industry. Through our established relationships with specialty brokers and risk management partners, senior living facilities can provide high-quality care to their residents while increasing staff efficiency, reducing annual falls and pressure injuries, increasing their census, and seeing a reduction in annual insurance claims.
CareAgents has the market intelligence, experience, and advanced technology to provide a customized program with real value for your clients. We provide a holistic approach, encompassing every aspect of the incident from reporting the claim, through the investigative process, and a legal defense team dedicated to protecting your interests in all claims.
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Who We Insure
Business Classes
At CareAgents, we underwrite the following business classes:
- Nursing Homes
- Independent Living Facilities
- Adult Day Care
- Assisted Living Facilities
- CCRC’s
- Hospice
- Home Health Care when attached to a facility
Eligibility Map
Program Highlights:
CareAgents provides the following limits of liability and policy features:
- $1MM/$3MM limits per location
- $10MM aggregate
- $100k minimum premium
- Claims made – incident sensitive
- First dollar available on select accounts
- Deductible / SIR / Corridors
Applications
Name | Format | Download / Form |
Broker Appointment Questionnaire | Online Form | |
Facility Supplemental Application | Download | |
Main Supplemental Application | Download | |
Auto Supplemental Application | Download | |
Hired Auto Supplemental Application | Download |
Submission and Carrier Information
Submission Requirements
To obtain a quote with the best possible terms, we need:
- Main & Facility supplemental applications
- Five (5) years of currently valued loss runs with details on all claims over $100k
- State survey reports for the recent 15 months (including corrective action plans)
- Financials
- Licenses for Each Location
- Current Policy Dec Page
Carrier Partner
Why Work with CareAgents?
Our Team
The CareAgents management team is comprised of seasoned experts with extensive experience across the MGA and reinsurance industry, and the proven ability to navigate today’s market.

Dan Hickey Jr.

Rick Ecklord

Thomas Kelly

Anthony Dietz

Sean McDonnell

Greg Jablonsky

Bryan Baird

Rian Girard

Samuel Hickey

Carrie Ginchereau

Mark McDonnell

Roger Flores

Joe Mercurio Jr.

Jeff Feldman

Anthony Baird

Al Gutierrez

Chris Enderes

Kristin Thorne

Jocelyn Kelly

Jim Kilduff

Toni Malicdem
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Thomas Kelly
General Counsel
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Mark McDonnell
SVP-Business Auto
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Roger Flores
SVP-Business Auto
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Throughout his career, Joe has led safety initiatives on some of the most high-profile construction projects in the New York region, including:
10 Columbus Circle with Structure Tone (SSM)
66 Hudson Blvd with Roger & Sons/Turner Construction (SSM)
Hudson Yards Tower E with AECOM Tishman (CSFSM)
Hudson Yards Retail and Tower A with W&W Steel Erectors (Safety Manager)
Montreign Resort Casino at Adelaar with Yonkers Contracting (Safety Representative)
Regeneron Pharmaceuticals with Belway Electric (Safety Representative)
Winthrop University Hospital with Lendlease (Safety Representative)
Joe holds a broad array of professional certifications that reflect his commitment to excellence and safety in the field. He is a Certified Safety Professional (CSP), Licensed NYC Site Safety Manager (SSM), and OSHA Authorized Construction Trainer. His credentials also include:
Associate Safety Professional (ASP)
Construction Health and Safety Technician (CHST)
Construction Site Fire Safety Manager (CSFSM)
ATSSA Certified Flagging Instructor & Traffic Control Supervisor
National Safety Council Defensive Driving Instructor
62 Supervisor SST Card
32-Hour Signal Person/Rigging Supervisor Trainer
32-Hour Rigging Supervisor
With a proven track record across diverse and complex job sites, Joe brings unparalleled expertise, regulatory knowledge, and leadership to every project he supports.
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Jeff Feldman
SVP-Claims
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Al Gutierrez
VP-Broker Relations West Coast
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Chris Enderes
SVP-Property
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Kristin Thorne
SVP-Corporate Communications
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Toni Malicdem
Senior Clinical Risk Manager