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
As Featured In






















Welcome to
Echo Assurance
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
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Senior living communities
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Rehabilitation centers
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Nursing homes
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Assisted-living facilities
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Memory care centers
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REITs and senior housing developers
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Hospice and home health care providers
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Adult day-care facilities
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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:
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We Actually Know How Operators Run — Not Just How They Insure
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We’re Small Enough to Care, Experienced Enough to Win
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We Don’t Chase Policies — We Engineer Outcomes
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Deep Bench, Lean Structure
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Real Stewardship, Not Renewal Theater
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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.
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
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.”
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.”
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 every senior living operator…
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What Every Fall Costs Your Community: $10,900
$10,900. That’s the average cost of a single resident fall in assisted living in 2026, per SafelyYou’s 2026…
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What LTC’s $160M SHOP Bet Means for Operators
$160 million. Three buildings. 270 units. That’s LTC Properties’ latest move, announced this week: nearly $160 million to…
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The Hidden Threat to Your Senior Living Community
Why You Can’t Afford to Ignore Flood Insurance Picture this: It’s 3 AM, and your phone is ringing…
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Scott Reese Published in IRMI’s Captive Insurance Company Reports
Echo Assurance founder and CEO Scott Reese authored “Underwriting Credibility Before Captive Insurance Formation in Senior Living and…
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Scott Reese Quoted in Newsweek on Senior Housing Supply Crisis
Echo Assurance founder and CEO Scott Reese was quoted in Newsweek on September 29, 2026, in “America’s Senior…
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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 the 2026 market data:…
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Shaping the Future of Senior Living with Innovative Solutions
Residents aren't shopping for flashy innovation, they value confidence, dignity, and meaningful daily life. This article explores what…
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