Senior Living & Social Services

You want a broker who understands the ins and outs of your industry. We don’t just think that’s a smart expectation—we believe it’s crucial.

M3’s senior living & social services practice group is leading the way in strategic employee benefits and business insurance in your industry, helping you navigate changing regulations, your unique vulnerabilities to litigation, and a challenging employment landscape.

Introducing the Candid Care Podcast

Each episode of The Candid Care Podcast 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.


Work with Advisors Who Nurture 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.

Serving 500 Nursing Home, Assisted Living, and Long-Term Care Clients 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.

More Than Members – We are Active Participants in Your Industry

  • Litigation Management
    M3 regularly sits down with defense attorneys and insurance carriers who specialize in your industry. Because we stay up to date, we can help you take action with practical strategies that keep you better protected.
  • Your Legislation and Regulatory Advocate
    M3 works closely with regulators and legislators, sits on industry association boards and committees, and represents your best interests as we help advance policies that ultimately benefit you.
  • Host of Annual Defense Symposium
    Our annual Defense Symposium brings together carriers, defense attorneys, and our clients to discuss best practices in safety, risk management, and claims handling
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Focused on Issues That Impact Your Business

  • Employee Turnover
  • Cyber Liability
  • Changes in Liability Landscape
  • Litigation Management
  • Employee Health & Wellness
  • Social Determinants of Health


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Assisted Living Risk Management

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

Developing Senior Living-Specific 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.

nurse helping a senior

Risk Management Team Specializing in Senior Living & Social Services

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.

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.

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.


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