Senior Living Services

Our dedicated specialists understand the unique nuances of the senior living industry and the trends impacting operations. We are focused on designing tailored comprehensive insurance and risk management programs with a keen prioritization on value-based care, risk management and loss mitigation resulting in a positive impact to the total cost of risk.

Senior living value-based solutions

Marsh McLennan Agency’s Senior Living Practice has solutions to holistically address the challenges affecting the industry including clinical boots-on-the ground risk management, claim advocacy, data and analytics, benchmarking, and alternative risk programs.

Specialized professional and general liability claims management

MMA TPA Services manages and mitigates professional and general liability claims for senior living organizations. We work with you to expedite resolution and achieve better claim outcomes while aligning with your organization’s philosophies. The team of dedicated claims examiners average over 20 years of experience in senior living liability claims, a majority of whom are licensed attorneys.

MMA’s Patient Safety Organization (PSO)

Our PSO empowers you to make data-driven decisions that enhance resident safety and quality of care—all while keeping your eligible patient safety information confidential and federally protected through the Patient Safety and Quality Improvement Act (PSQIA).

MMA Alternative Risk Solutions

MMA Alternative Risk Solutions are designed for unique or complex risks not adequately addressed by traditional insuranceOur comprehensive suite of insurance solutions provides greater control and cost savings through large retentions managed by MMA TPA Services, partial self-insurance, loss portfolio transfer, self-insurance, risk retention groups and a proprietary captive insurance company exclusively for our clients. Our proprietary captive insurance company provides general and professional liability coverage and large deductible reimbursement coverage for senior living organizations that are interested in greater control, coverage tailored to your needs, litigation management strategies, investment income and ease of growing your portfolio.

Executive Liability Risk

We deliver the expertise and market insight necessary to build management liability strategies for Directors and Officers, Errors and Omissions, Employment Practice Liability, Commercial Crime/Fidelity, Cyber, and Fiduciary. Our dedicated practice professionals have extensive senior living industry knowledge to specifically tailor your program to protect the assets of your company and the personal assets of your directors and officers.

Custom Employee Health & Benefits Solutions

Our employee benefits expert’s deep knowledge within the senior living industry allows us to design custom benefits plans that best align with your communities. Our HR Consulting team works with your organization to help relieve administration burden and provide guidance on employee relations. We have also created our EnrollSMART solution that works with senior living communities to offer clients assistance with onboarding and compliance. Our benefits experts will help make the enrollment processes easier so you can focus on attracting and retaining talent. Compliance with federal rules and regulations for employee health benefits apply to employers of all types and sizes. Our compliance consulting team has the expertise to help senior living employers understand the unique aspects of these rules as they relate to what you do.

Environmental, Social, and Governance (ESG)

ESG criteria are increasingly being used to inform strategic goals, operational execution, and the reporting of sustainable business practices to key stakeholders. We provide an ESG risk rating self-assessment tool to help senior living organizations define the milestones for their ESG journey and work with them to execute.

What sets us apart

We have developed innovative and proprietary tools, resources, and programs to address the risks facing skilled nursing, assisted living, memory care, independent living, and life plan communities.

  • Fall prevention and safety programs
  • Aging in place
  • Quality of life
  • Customer service
  • Litigation management
  • Staff turnover
  • Rising benefit costs
  • Comprehensive program structure
  • Total cost of risk

Risk Management Services

Our commitment is to provide clients with a proactive risk management program that includes a combination of risk assessments, program development and education services. Common areas of focus may include:

McKnight’s Feature: 2024 Trends impacting senior living insurance programs

Check out our feature in McKnight’s Senior Living Magazine to learn the insurance trends impacting the senior living industry in 2024, how to navigate them, and what you can do to improve your total cost of risk.

Cyber Playbook

Companies have experienced significant changes to their cyber insurance. This volitivity has caused major market disruptions, new claims trends, and clarity on who the hackers are targeting. It’s imperative companies employ preventive measures that safeguard their networks. Our Cyber Playbook provides a deep dive into cyber issues, prevention & response best practices, approaches, and industry trends.

Transforming senior living through effective risk management

Learn how AI can assist in medication management, monitor vital signs, and enable proactive care. Find out how devices like the Apple Watch and voice-activated systems like Alexa are revolutionizing senior care.

Cyber security assessment services

Marsh McLennan Agency works alongside your cybersecurity experts to provide high level end-to-end support and consultation. Our comprehensive services include an assessment of current programs to determine the risk maturity level and then recommendations for improvement and/or coverage.

Expert insights, trends and strategies for senior living

Frequently asked questions

Track every claim’s status, financials and limit erosions in real-time from onset to closure – and work collaboratively to resolve them efficiently with Trideo. Our clients have access to Trideo, a user-friendly, comprehensive web-based platform. Where key personnel are able to access all claim-related information and collaborate with all parties.

EXP provides our clients a Web-based, seamless experience across all our departments and services. Basically, we’ve created a one-stop centralized resource offering real-time access to your MMA information.

With EXP clients can:  

  • View your policy list 
  • Download documents 
  • Make online payments 
  • Prepare for renewal 
  • Issue certificates of insurance 
  • Request policy changes
  • View MMA contracts
  • Access third-party vendors
  • Complete electronic forms
  • Access additional resources

Our Risk Management Center (RMC) allows you to reduce risk and enable employee safety by creating effective risk mitigation programs while accessing expert HR advice. This platform allows our clients to globally manage their risk programs through a comprehensive library of sample loss control documents, customizable safety and training programs, human resource management tools and a flexible electronic injury filing structure.