50 States Nationwide
Insurance for senior living, priced on your risk, not the industry’s.
Innovative insurance strategies for senior living operators across the U.S., built on operational insight, precision, and trust.
Nationwide
Working with operators in every corner of the country
$ 0 B+
In Premiums Created
0 %
Insurance Cost Reduction
0 %
Fewer Claims
Welcome to
Echo Assurance
The market has already decided what your risk is worth. Most operators never get told the number.
Echo Assurance is where senior-living operators go when they want a broker who thinks like an underwriter, acts like a partner, and follows through like an owner.
We combine deep industry experience with operational fluency, understanding occupancy, staffing, survey cycles, compliance, and financial realities, to design insurance strategies that support your business, not slow it down.
With senior-level advisors guiding every account, we deliver proactive risk strategies, precise underwriting advocacy, and transparent stewardship that operators can trust.
Operational expertise, measurable results
We build insurance strategies around your real-world operations, from census swings to regulatory pressures, ensuring your coverage supports both care quality and financial stability.
Our Clients
-
Senior living communities
-
Rehabilitation centers
-
Nursing homes
-
Assisted-living facilities
-
Memory care centers
-
REITs and senior housing developers
-
Hospice and home health care providers
-
Adult day-care facilities
-
Active adult communities (55+)
How we work
Insurance solutions engineered for results.
Advocacy
You work directly with senior advisors who know your story and act decisively on your behalf.
Solutions
Every recommendation is tailored to operational realities, ensuring your coverage delivers the outcomes you need.
Renewal
Recognition
Industry awards reflect the consistent results we deliver for our clients.
Protecting Your Operations
Supporting Your Goals
We design insurance strategies that safeguard senior living operators while enabling operational excellence. Our focus areas include:
-
We Actually Know How Operators Run — Not Just How They Insure
-
We’re Small Enough to Care, Experienced Enough to Win
-
We Don’t Chase Policies — We Engineer Outcomes
-
Deep Bench, Lean Structure
-
Real Stewardship, Not Renewal Theater
-
Culture of Integrity and Follow-Through
Your mission is delivering exceptional care, ours is ensuring it stays protected.
We change how risk is perceived, priced and financed.
On average, Echo clients have avoided $1.1 million in deductibles, recovered $354,000 above a carrier's first offer, and turned a 38% renewal increase into 3% in the last year.
Echo Assurance brings senior-level expertise and real operating insight to senior living insurance, so coverage is built around how your communities actually run. We work with integrity and transparency, act decisively, and measure ourselves by outcomes: stronger operators, protected residents, and results you can see.
What our satisfied clients say
Fee Stubblefield
“When I first met Scott, our risk department was in crisis and our costs were spiraling out of control. Over the decades, he has guided us with a proactive “well-care” approach, consistently anticipating our needs before they even arise. Scott is a true professional, and I couldn’t recommend him more highly.”
Daniel Vlaicu
“Scott is an incredibly knowledgeable, caring, and passionate professional who truly invests in his work. He is consistently responsive and attentive, ensuring that every detail is handled with genuine care.”
Jonathan Mack
“Scott is as professional as they come. I truly sleep better at night knowing he has our back and is proactively managing our needs.”
Latest Insights
Practical thinking on senior living risk, insurance strategy, and capital.

D&O Insurance Under Stress: A Senior Living Case Study
When Inspired Healthcare Capital filed Chapter 11 in February, it set up a fight…

What Every Fall Costs Your Community: $10,900
$10,900. That’s the average cost of a single resident fall in assisted living in…

What LTC’s $160M SHOP Bet Means for Operators
$160 million. Three buildings. 270 units. That’s LTC Properties’ latest move, announced this week:…

The Hidden Threat to Your Senior Living Community
Why You Can’t Afford to Ignore Flood Insurance Picture this: It’s 3 AM, and…

Scott Reese Published in IRMI’s Captive Insurance Company Reports
Echo Assurance founder and CEO Scott Reese authored “Underwriting Credibility Before Captive Insurance Formation…

Scott Reese Quoted in Newsweek on Senior Housing Supply Crisis
Echo Assurance founder and CEO Scott Reese was quoted in Newsweek on September 29,…

Senior Living Insurance Soft Market 2026: Rates Are Down, What Operators Should Do Now
Are senior living insurance rates going down in 2026? Yes. Echo Assurance’s read of…

Shaping the Future of Senior Living with Innovative Solutions
Residents aren't shopping for flashy innovation, they value confidence, dignity, and meaningful daily life.…

2026 P&C Market Outlook for Senior Living & Long-Term Care
A Data-Driven Guide for Senior Living & Long-Term Care Owner/Operators Audience: CFOs, risk managers,…

The Grace Curve: Why Your Growth Strategy Is Your Biggest Insurance Risk in Senior Living
Challenges Specific to Senior Housing Having observed operators expand for 25 years, I can…

Commercial Insurance for Senior Living Operators: 7 Advanced Risk Gaps Even Top Brokers Miss
Even experienced senior living operators, working with reputable brokers, can end up dangerously under…

What is the Difference Between Senior Living (ILF, ALF, SNF, and CCRC) facility Insurance Requirements?
Navigating the world of senior living facilities and long-term care is complex enough without…

The Coverage Gap You Can’t Ignore
Running an senior living facility is more than just a business; it’s a calling.…

Ransomware Protection for Healthcare Organizations: Practical Steps to Stay Secure
Protecting healthcare organizations from ransomware attacks is more critical than ever. Cybercriminals increasingly target…

Protecting Your Facility from Windstorm Damage: A Comprehensive Emergency Checklist
When it comes to natural disasters, windstorms can clearly cause significant damage to facilities.…

Navigating the Rise of Nuclear Verdicts: A Guide for Senior Living Operators
In recent years, the phenomenon of nuclear verdicts, jury awards exceeding $10 million, has…

E&O Insurance
In the fast-paced world of business, mistakes and misunderstandings are inevitable. Errors and omissions…

The Hidden Threat
Wildfires are increasing, and smoke poses a growing risk to long-term care facilities. These…

Empower Your Senior Living Startup: Tailored Insurance That Grows With You
When establishing a senior living facility, it is crucial to understand the specific insurance…

Navigating Tomorrow
As senior living evolves, operators face challenges that demand innovative solutions and strong risk…

Q3 – 2024 Market Outlook
Insurance Market Update: Equilibrium, Challenges, and Opportunities The insurance industry is experiencing a period…

Navigating the Shifting Tides of Commercial Insurance
This blog’s goal is to provide you with insights into the current state of…

Navigating the 2024 Commercial Insurance Landscape
We are writing to provide you with a comprehensive update on the current state…

Water damage and Insurance
As owners and operators of senior living facilities, you understand the importance of protecting…

D&O Insurance Under Stress: A Senior Living Case Study
When Inspired Healthcare Capital filed Chapter 11 in February, it set up a fight…

What Every Fall Costs Your Community: $10,900
$10,900. That’s the average cost of a single resident fall in assisted living in…

What LTC’s $160M SHOP Bet Means for Operators
$160 million. Three buildings. 270 units. That’s LTC Properties’ latest move, announced this week:…

The Hidden Threat to Your Senior Living Community
Why You Can’t Afford to Ignore Flood Insurance Picture this: It’s 3 AM, and…

Scott Reese Published in IRMI’s Captive Insurance Company Reports
Echo Assurance founder and CEO Scott Reese authored “Underwriting Credibility Before Captive Insurance Formation…

Scott Reese Quoted in Newsweek on Senior Housing Supply Crisis
Echo Assurance founder and CEO Scott Reese was quoted in Newsweek on September 29,…

Senior Living Insurance Soft Market 2026: Rates Are Down, What Operators Should Do Now
Are senior living insurance rates going down in 2026? Yes. Echo Assurance’s read of…

Shaping the Future of Senior Living with Innovative Solutions
Residents aren't shopping for flashy innovation, they value confidence, dignity, and meaningful daily life.…

2026 P&C Market Outlook for Senior Living & Long-Term Care
A Data-Driven Guide for Senior Living & Long-Term Care Owner/Operators Audience: CFOs, risk managers,…

The Grace Curve: Why Your Growth Strategy Is Your Biggest Insurance Risk in Senior Living
Challenges Specific to Senior Housing Having observed operators expand for 25 years, I can…

Commercial Insurance for Senior Living Operators: 7 Advanced Risk Gaps Even Top Brokers Miss
Even experienced senior living operators, working with reputable brokers, can end up dangerously under…

What is the Difference Between Senior Living (ILF, ALF, SNF, and CCRC) facility Insurance Requirements?
Navigating the world of senior living facilities and long-term care is complex enough without…

The Coverage Gap You Can’t Ignore
Running an senior living facility is more than just a business; it’s a calling.…

Ransomware Protection for Healthcare Organizations: Practical Steps to Stay Secure
Protecting healthcare organizations from ransomware attacks is more critical than ever. Cybercriminals increasingly target…

Protecting Your Facility from Windstorm Damage: A Comprehensive Emergency Checklist
When it comes to natural disasters, windstorms can clearly cause significant damage to facilities.…

Navigating the Rise of Nuclear Verdicts: A Guide for Senior Living Operators
In recent years, the phenomenon of nuclear verdicts, jury awards exceeding $10 million, has…

E&O Insurance
In the fast-paced world of business, mistakes and misunderstandings are inevitable. Errors and omissions…

The Hidden Threat
Wildfires are increasing, and smoke poses a growing risk to long-term care facilities. These…

Empower Your Senior Living Startup: Tailored Insurance That Grows With You
When establishing a senior living facility, it is crucial to understand the specific insurance…

Navigating Tomorrow
As senior living evolves, operators face challenges that demand innovative solutions and strong risk…

Q3 – 2024 Market Outlook
Insurance Market Update: Equilibrium, Challenges, and Opportunities The insurance industry is experiencing a period…

Navigating the Shifting Tides of Commercial Insurance
This blog’s goal is to provide you with insights into the current state of…

Navigating the 2024 Commercial Insurance Landscape
We are writing to provide you with a comprehensive update on the current state…

Water damage and Insurance
As owners and operators of senior living facilities, you understand the importance of protecting…










