Nalrrg

What Nalrrg does

NALRRG (National Assisted Living Risk Retention Group, Inc.) is a U.S.-domiciled, member-owned captive insurance company that has provided specialized liability insurance to assisted living facility (ALF) operators since its founding in 2003. The company is organized under the Federal Risk Retention Act of 1986 as a Risk Retention Group (RRG), a structure that requires all policyholders to also be shareholders of the insurer, structurally aligning the interests of owners and insureds. Its core product set consists of General Liability and Professional Liability coverage under claims-made policy forms, with policy limits ranging from $100,000/$300,000 to $250,000/$750,000, sub-limits of $25,000/$75,000, and no deductible — claims are paid from the first dollar. A COVID-19 liability endorsement and a Florida-only group home coverage extension round out the product portfolio. The deliberately low policy limits are framed as a way to avoid attracting litigation while keeping premiums competitive. The company was founded by select members of the North Carolina Association of Long Term Care Facilities (NCALTCF) and is operated day-to-day by Connected Captive Solutions, LLC, doing business as Venture Captive Management.

The company distributes exclusively through a network of 24 licensed insurance agent and broker partner agencies across 13 states (AL, AZ, CA, FL, GA, MD, NC, PA, SC, TN, TX, VA, WV), including major brokerages such as Arthur J. Gallagher, Amwins, Assured Partners, USI, and NFP. Prospects reach the company through a website-driven lead-generation funnel, phone (770-246-8535), and email ([email protected]), and are routed to a preferred agent to obtain a quote and submit an application. The firm has 11–50 employees, is headquartered in Norcross, Georgia, and reports that it has been operating continuously since 2003 with what it characterizes as a proven track record of service and financial stability.

Revenue is generated through recurring annual insurance premiums under subscription-style policies. Pricing is not publicly disclosed and is determined on a per-facility basis through the agent channel. The company is privately held with no parent company, no disclosed institutional or venture-backed ownership, and no history of external funding rounds; all insureds are also shareholders in the mutual-like structure. In August 2026, the Florida First District Court of Appeal reversed a $20 million trial court judgment against the company, ruling that no formal claim was made during the relevant 2012 claims-made policy period — a decision that reinforces the structural integrity of its coverage framework.

Name

Nalrrg

Legal name

National Assisted Living Risk Retention Group, Inc.

Website

https://nalrrg.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

NALRRG is a U.S.-domiciled, member-owned Risk Retention Group providing General Liability and Professional Liability insurance exclusively to assisted living facilities across 13 states (and group homes in Florida) since 2003, distributing through 24 licensed broker partner agencies.

Ownership category

akta.pro rank

Headquarters

HQ city

Norcross

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Liability Insurance Premiums: NALRRG generates revenue through insurance premiums from General Liability and Professional Liability coverage for assisted living facilities. The company operates as a member-owned Risk Retention Group where all insureds are also shareholders. Premiums are based on policy limits ranging from $100k/$300k to $250k/$750k, with sub-limits options available.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

NALRRG (National Assisted Living Risk Retention Group, Inc.) is a member-owned Risk Retention Group providing specialized liability insurance for assisted living facilities and (in Florida) group homes. It offers General Liability and Professional Liability coverage on a claims-made basis, with policy limits ranging from $100,000/$300,000 to $250,000/$750,000, no deductibles (first-dollar coverage), and a COVID-19 endorsement option.

Product overview

NALRRG is a specialized liability insurance provider offering a unified product portfolio for assisted living facilities. The core offerings consist of General Liability Insurance and Professional Liability Insurance, with COVID-19 Liability Coverage available as an add-on endorsement. Coverage for Group Homes is offered in Florida only. The company operates on a claims-made basis with policy limits ranging from $100k/$300k to $250k/$750k, and sub-limits options of $25,000/$75,000. All policies feature no deductible, with claims paid from first dollar coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• General Liability Insurance General liability coverage for assisted living facilities, providing protection against third-party bodily injury and property damage claims, with policy limits from $100,000/$300,000 up to $250,000/$750,000 and no deductible.
• Professional Liability Insurance Professional liability coverage for assisted living facilities, protecting against claims arising from professional services, negligence, and care-related incidents. Claims-made coverage provided on a first-dollar basis with no deductible.
• COVID-19 Liability Coverage COVID-19 liability coverage available via policy endorsement for assisted living facility insureds, providing protection against pandemic-related claims.
• Group Home Coverage Specialized General Liability and Professional Liability coverage for group homes, available exclusively in Florida, with tailored policy forms designed for group home operations.

Quantifiable outcome

• Claims typically settled well within NALRRG's policy limits based on historical experience

Named customers2 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and general_office.

• Connected Captive Solutions, LLC (d/b/a Venture Captive Management)coreStrategic or Co-development PartnerProfessional insurance management company that has managed the day-to-day operations of NALRRG since its inception in 2003. Handles all operational management functions including claims administration, policy servicing, and overall company management.
• North Carolina Association of Long Term Care Facilities (NCALTCF)coreStrategic or Co-development PartnerAssociation of long term care facilities whose select members founded NALRRG in 2003 to address risk management needs of ALF owners more thoroughly and efficiently. The founders wanted to create an insurance solution by and for ALF owners.
• American Insurance Brokersgeneral_officeChannel Partner/ Reseller/ DistributorInsurance brokerage located in Miami, FL. One of 24 preferred insurance partner agencies that sell and service NALRRG policies.
• Amwins Insurance Brokerage, LLCgeneral_officeChannel Partner/ Reseller/ DistributorInsurance brokerage in Chicago, IL. One of 24 preferred insurance partner agencies that sell and service NALRRG policies.
• Arthur J. Gallagher & Co.general_officeChannel Partner/ Reseller/ DistributorMajor insurance brokerage firm located in Atlanta, GA. One of 24 preferred insurance partner agencies that sell and service NALRRG policies.
• Assured Partnersgeneral_officeChannel Partner/ Reseller/ DistributorInsurance agency with locations in Lake Mary, FL and Orlando, FL. One of 24 preferred insurance partner agencies that sell and service NALRRG policies.
• USI Insurance Servicesgeneral_officeChannel Partner/ Reseller/ DistributorInsurance services firm in Tampa, FL. One of 24 preferred insurance partner agencies that sell and service NALRRG policies.
• NFP Property & Casualtygeneral_officeChannel Partner/ Reseller/ DistributorProperty and casualty insurance firm with locations in Santa Clara, CA and Plantation, FL. One of 24 preferred insurance partner agencies that sell and service NALRRG policies.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ProAssurance Corporation: ProAssurance is a specialty insurer focused on healthcare professional liability. Its coverage of healthcare providers and facilities intersects with NALRRG's professional liability offering for assisted living facility operators.
• The Hartford: The Hartford's Senior Living practice provides property, casualty, and professional liability coverage for senior living operators including assisted living facilities. It overlaps with NALRRG's core ALF vertical and competes for mid-market and larger ALF chains.
• Coverys: Coverys provides medical professional liability and healthcare facility liability coverage. Its healthcare risk products compete with NALRRG's professional liability coverage for assisted living operators, particularly in the long-term care segment.
• AmTrust Financial Services: AmTrust underwrites specialty commercial liability programs including senior living and assisted living facility coverage. Its small commercial specialty platform competes with NALRRG for ALF and group home accounts across similar geographies.
• CNA Financial: CNA Financial operates a specialty Aging Services practice that underwrites general and professional liability coverage for assisted living, memory care, and skilled nursing facilities. It competes directly with NALRRG for ALF accounts but typically serves larger facilities with higher policy limits and deeper balance sheet capacity.
• Glatfelter Insurance Group: Glatfelter is a specialty insurance carrier focused on niche commercial risks including human services and senior care. It offers liability products for facilities serving older and at-risk populations, directly overlapping with NALRRG's ALF and group home target market.
• Berkshire Hathaway GUITCO: GUITCO (formerly part of Berkshire's GUITCO and related entities) specializes in property and casualty insurance for senior living facilities, including assisted living. It is one of the most established niche competitors in the same ALF liability market NALRRG serves.
• Markel Corporation: Markel underwrites specialty insurance programs including senior care and human services, offering general liability and professional liability for assisted living facilities, group homes, and similar care providers — directly comparable to NALRRG's product portfolio.

Broad incumbents

• Chubb: Chubb is a major global P&C carrier with healthcare facilities liability offerings that overlap with NALRRG's general and professional liability products for assisted living facilities, but at much greater scale and broader portfolio.
• Liberty Mutual Insurance: Liberty Mutual is a large national commercial insurer with small commercial and specialty human services liability products. It competes in the broader commercial liability space that includes assisted living facilities, but as part of a much wider portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/nalrrg

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nalrrg