Senior Living & Social Services

You need a broker who truly understands your industry. We don’t just think that’s a good idea— it’s essential.

This team goes beyond insurance, offering smart risk management, strategic advice, and solutions that help your organization run smoothly.

Key Insights.
Risk Trends.

The M3 2025 Pulse Report.
Through the lens of rate and risk, we examine how the property & casualty market is affecting our clients across industries, and what risks we are predicting will be a focus throughout 2025.

view the report

Candid Care Podcast

Each episode of Candid Care promises to challenge your current thinking about the long term care industry, and introduce new concepts to improve your organization and advance the field.

This podcast goes beyond insurance and gets to the heart – when we are open to exploring new ideas, we have an opportunity to improve the care experience for all.

BROWSE CANDID CARE EPISODES

Work with advisors who understand and support your industry

Sara Kekula is dedicated to serving senior living & social services clients through an innovation-focused lens.

Sara has spent her career at M3 identifying out-of-the-box solutions for senior living & social services organizations, and delivering and executing impactful strategies with her trademark candid approach. Sara is involved in a number of relevant associations, and continues to expand industry thinking around what is possible for providers.

Sara Kekula

Director of Senior Living & Social Services Practice
Partner
Meet Sara

Pat LeMire is a respected industry leader with deep expertise and firsthand insight into the challenges providers face.

Pat delivers customized solutions for insuring high-exposure operations, and supports the growth and development of M3 service team members. He is a champion of fostering a culture of expertise and client dedication. Pat holds several leadership roles on boards, including Easterseals Wisconsin, the Wisconsin Health Care Association, and the Wisconsin Center for Assisted Living.

Pat LeMire

Director of Senior Living & Social Services Practice
Partner
Meet Pat

Serving 650+ industry clients nationwide and counting…

M3 is the largest writer of senior living & social services organizations in the Midwest, which means we have the leverage to help you navigate and negotiate in the hard market.

Addressing your emerging + evolving risks

Litigation management
M3 actively collaborates with defense attorneys and insurance carriers who specialize in your industry. By staying ahead of evolving legal trends, we provide practical strategies to strengthen your protection and minimize risk.

Your legislation and regulatory advocate
As your voice in the industry, M3 works closely with regulators and legislators, serves on association boards and committees, and champions policies that support your best interests.

Host of annual Quality & Risk Summit
Our annual summit connects carriers, defense attorneys, and clients to share best practices in safety, risk management, and claims handling—helping you stay informed and proactive.article: 11TH annual summit takeaways

Risk management

Talia Pletcher is a key resource for M3’s nursing home, assisted living, and long-term care clients. She works closely with the senior living and social services team to develop educational materials and support client risk mitigation programs. Talia helps providers navigate the tenuous waters of the industry in order to understand ever-changing legislation and proactively manage risk for residents and staff.

Risk assessments for employees, residents, property & equipment
Safe patient handling resources & training
Compliance reviews
Industry benchmarking and proactive workers’ compensation support

Talia Pletcher

Risk Manager
Meet Talia

Defend yourself from cyber strikes before they happen

It’s not a matter of “if”, but “when”. M3 staffs cyber liability experts to keep you up to speed on the growing risks associated with data loss, from hacking, equipment theﬅ, employee fraud, negligence, and more – and ensure you’re covered when a cyber-attack strikes.

LEARN MORE ABOUT CYBER LIABILITY

Matthew Thomson

Director of Cyber Liability
Meet Matthew

Captive solutions

Rising costs and an uncertain future are prompting business leaders to explore alternative funding options for their insurance programs. Options like employee benefits captives allow them to prioritize the health and wellness of their employees, as well as their bottom line.

M3’s proprietary homogeneous captive insurance program allows forward-thinking senior living organizations to come together in order to take control of their health insurance and share comparable risk.

podcast: captive conversations

Proactive claims management

Claims are an unfortunate reality, but we see them as an opportunity to be your advocate. Our claims managers go the extra mile, leveraging their years of experience, key relationships, and strategic approach to support you throughout the process.