Next Generation insurance
built for Senior Living

Powered by real-operational expertise & real-time intelligence.

Discover how we are changing the game

We deliver smarter, faster, data-driven underwriting built specifically for senior-living risks.

A modern insurance experience powered by real operational insight, competitive pricing, and human responsiveness, supported by more than 15+ years of senior-living underwriting expertise.

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Why brokers are choosing Tricura

Q: Can facilities contact Tricura directly?

We communicate directly with facilities only for Gemini-related support . All insurance submissions and discussions occur through retail brokers.

Q: Do you work with retail or wholesale brokers?

Tricura works only with retail brokers . We do not accept submissions through wholesalers.

Q: Is Gemini Analytics available to facilities without purchasing insurance?

Yes. Gemini is available as a standalone technology solution for senior living operators seeking better compliance, documentation, and operational insight.

Q: What are your standard limits?

We offer primary limits of $1M / $3M with aggregates up to $10M , along with options such as defense inside/outside, first-dollar SIR, abuse limits, EBL, and corridor structures.

Operated by Senior living experts

Fast turnaround

Competitive pricing , powered by real data

Market-aligned coverage

Our leadership and underwriting teams come from the operational side of senior living.

We understand like anyone else the realities inside every building.

Meet the team

Our leadership and underwriting teams come from the operational side of senior living.

We understand like anyone else the realities inside every building.

Meet the team

Our leadership and underwriting teams come from the operational side of senior living.

We understand like anyone else the realities inside every building.

Meet the team

Our leadership and underwriting teams come from the operational side of senior living.

We understand like anyone else the realities inside every building.

Meet the team

Smarter insurance begins

with smarter data

Meet Tricura’s Gemini Analytics

Our proprietary, AI platform built to transform how we evaluate and understand risk.

It analyzes real operational data in real time, giving underwriters unprecedented clarity and enabling decisions with unparalleled accuracy.

44% fewer fines Facilities using Gemini saw a significant drop in CMS fines.

40% reduction in penalties Cleaner documentation and automated audits improve compliance.

21% fewer complaints Real-time operational oversight leads to better resident outcomes.

This intelligence allows us to maintain strong, competitive pricing while delivering a more precise and reliable underwriting experience.

Learn more

Facilities also demonstrated improved stability, including reduced nursing turnover and higher QM ratings across the cohort.

Gemini Analytics is the intelligence behind Tricura’s next-generation insurance model
and is also offered as a standalone technology solution for senior living operators.

Coverage that goes deeper.

Engineered for the complexities of senior living risk.

Abuse & Molestation limits at

$1M / $3M

Corridor deductible options for added flexibility

First-dollar coverage available up to

$250K SIR

Primary limits at

$1M / $3M

Defense inside or outside limit options

Abuse & Molestation limits at

$1M / $3M

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Get started in 3 simple steps.

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1. Connect with us

A short introduction to our underwriting team.

Get a Quote

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2. Meet the team

A quick call to align on appetite, coverage, and next steps.

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3. Start submitting

Get appointed and begin sending submissions directly.

Get in touch.

No automated replies.
Just experienced underwriters ready to support your business.

Frequently Asked Questions

Can facilities contact Tricura directly?

We communicate directly with facilities only for Gemini-related support. All insurance submissions and discussions occur through retail brokers.

Do you work with retail or wholesale brokers?

Tricura works only with retail brokers. We do not accept submissions through wholesalers.

How do I start submitting business to Tricura?

It’s a simple three-step process:

Introduce yourself to our underwriting team
Join a short call to review appetite and coverage
Complete the agency agreement and begin submitting

How fast can I expect a quote?

We prioritize fast turnaround times. Most submissions receive a response or follow-up within 24–48 hours, depending on complexity.

Is Gemini Analytics available to facilities without purchasing insurance?

Yes. Gemini is available as a standalone technology solution for senior living operators seeking better compliance, documentation, and operational insight.

What are your standard limits?

We offer primary limits of $1M / $3M with aggregates up to $10M, along with options such as defense inside/outside, first-dollar SIR, abuse limits, EBL, and corridor structures.

What information do you need for a submission?

At minimum: facility name, location, current policies, loss runs, census, staffing details, and any operational notes. Our underwriting team will guide you if additional information is needed.

What makes Tricura different from other carriers?

Tricura combines deep senior living expertise, responsive underwriting, and competitive pricing with a proactive approach to risk mitigation—powered by Gemini Analytics.

This approach allows us to support operators beyond policy placement, helping reduce exposure and manage risk more effectively over time.

What types of facilities does Tricura underwrite?

We focus exclusively on senior living communities, including assisted living, independent living, memory care, and skilled nursing facilities.