Senior Living Insurance
Smarter Risk Solutions.
Simpler Care.
Insurance Backed by Care. Powered by Technology.
Backed by Care.
Powered by Technology.
Reduce liability, protect your residents, and elevate your care with CareAgents’ risk management programs and leading-edge technology partnerships.
We help senior living operators deliver high-quality care – reducing falls and pressure injuries – through our exclusive partnerships with premier technology experts, specialty brokers and in-house clinical risk managers and lawyers.
Why Work with CareAgents?
Why Work with CareAgents?
Predict and Prevent Incidents Before They Happen
AI-powered fall prevention VSTAlert alerts staff before harm occurs. WoundRounds automation platform reduces in-house pressure injuries by
80%.
Insurance Credits for Risk Management
We offer operators who participate in our risk management technology
credits on their general liability policies.
Real-world strategies to strengthen care and reduce risk.
Best-practice frameworks for risk reduction and defensible documentation.
- Tools and training that support both operators’ staff and broker relationships.
Data-driven insights to protect residents and demonstrate measurable results to prospective families, business partners, and regulators.
Our Technology Partners
Proven Results. Real Accountability.
Results That Protect and Perform
$71M
Built a highly differentiated program to $71M in 3 years.
“Our insurance policy with CareAgents and their fall prevention technology VirtuSense has made an incredible difference in our operators. We are planning to rollout VirtuSense to more of our sites.”
Mike Medeiros
Chief Nursing Officer
Best Healthcare
30K +
Residents protected through CareAgents programs at over 800 Senior Living building across the US.
“VSTAlert is a great system and a huge selling point for families. I’m glad my competitors don’t have it!”
Sabrina Mallay
Sales and Marketing Director
Superior Residences of Clermont
85%
Improved broker engagement and client adoption.
“We greatly value our relationship with CareAgents and their risk management partners WoundRounds and VirtuSense. Together, we are making a difference to reduce wounds, falls and potential litigation. Because of the high-level of success not are only we strengthening our relationship with CareAgents, we are expanding WoundRounds and VirtuSense throughout our operators portfolio.”
Doris Pack
VP of Regulatory Compliance
OPCO Skilled Management
75%
Within just three months of implementing VSTAlert, the provider saw a 75% reduction in falls with injury.
"Whenever I introduce CareAgents CEO Bryan Baird to a group of people, I always say, 'Bryan is going to change the insurance industry' and I stand by that. Bryan is a pioneer in how insurance and risk management should work together."
Ryan Spalding
Managing Advisor
Gibson Insurance
Meet our amazing team
Our CareAgent team is dedicated to helping your business grow.
Bryan Baird - President & CEO
Bryan Baird is the President & CEO of K&B Specialty Insurance (KBSI), which administers the CareAgents program through Roosevelt Road Specialty. A Registered Professional Liability Underwriter (RPLU) and a seasoned insurance executive with more than 20 years of experience, Bryan has a strong track record in business ownership, entrepreneurship, and direct sales within the senior care and residential facilities market.
Before founding KBSI, Bryan built and led K&B Underwriters, a Managing General Agency (MGA) platform, serving as its President & CEO. He also played a key role in transforming the insurance quoting and binding process through the launch of xagent.com, an innovative digital platform that streamlines access to thousands of business lines and multiple carriers nationwide. Its signature “Input once and submit everywhere™” model has empowered insurance agents across all 50 states to generate bindable quotes within minutes.
Known for his energy and forward-thinking leadership, Bryan continues to drive KBSI’s success with a focus on modernizing risk management and loss prevention solutions tailored to the senior care industry. His passion for innovation extends beyond insurance, as he works to bring meaningful change to the way care facilities approach risk.
Rian Girard - Chief Underwriting Officer
Rian Girard serves as the Chief Underwriting Officer at K&B Specialty Insurance (KBSI), where he plays a key role in driving the profitability and strategic growth of the CareAgents senior living portfolio.
Rian brings a wealth of experience to his role, having previously served as Chief Underwriting Officer at the Insurtech firm xagent, as well as holding senior underwriting and leadership positions at leading insurers such as Admiral, Zurich, and AIG. Rian holds the Chartered Property Casualty Underwriter (CPCU) designation. His deep industry knowledge, combined with a passion for innovation, enables him to navigate the complexities of building a high-performing, forward-thinking organization within the Roosevelt Road Specialty platform.
Known for his disciplined and strategic approach, Rian is focused on fostering sustainable growth through lean operations, all while maintaining a commitment to delivering exceptional customer service. His leadership is rooted in operational excellence and shaped by a strong understanding of both traditional and tech-enabled underwriting environments.
Rian holds a Bachelor of Science from the University of Notre Dame, where he was a member of the university’s fencing team—an experience that reflects his emphasis on precision, strategy, and competitive excellence in both sports and business.
Jeff Feldman - Senior Vice President of Claims
Jeffrey Feldman serves as Senior Vice President of Claims at K&B Specialty Insurance (KBSI), where he oversees the full spectrum of the company’s claims operations. His responsibilities include third-party administrator management, defense panel oversight, exposure assessment, reserving, and acting as a key liaison between the claims and underwriting teams. He also provides strategic support to marketing initiatives.
With over 35 years of diverse claims experience – including extensive work on high-exposure CAT claims – Jeff is known for his ability to quickly assess complex situations and develop effective strategies to mitigate risk. A strong advocate for early claims investigation, he is committed to educating insureds and brokers on best practices, particularly in an environment where rising claim values and insurance fraud are increasing challenges for the industry.
Jeff is also a dedicated mentor to emerging professionals on the claims team and takes pride in helping shape the next generation of industry talent. Prior to joining KBSI, he spent 25 years at AIG, including 20 years in senior management roles across reinsurance, excess claims, healthcare claims, and primary construction claims.
Jeff holds a degree in economics from Binghamton University.
Outside the office, he enjoys his passion for motorsports – especially riding his three-wheel motorcycle.
Toni Malicdem - Chief Risk Officer
Toni Malicdem serves as Chief Risk Officer at CareAgents, where she brings extensive experience in healthcare-related insurance and a passion for supporting those who provide care in our communities. In her leadership role, Toni oversees strategic development, risk management and loss control, as well as broker relationships within the CareAgents division, which focuses on delivering specialized insurance solutions for senior living providers.
With a strong background in program management and a deep understanding of the unique risks facing the care industry, Toni is known for her ability to craft tailored insurance programs that align with both regulatory requirements and real-world operational needs. Toni’s experience as a nursing home administrator has helped her to create a collaborative style and client-first mindset that have established CareAgents as a trusted partner for agents and insureds nationwide.
Toni is committed to advancing the mission of CareAgents by combining thoughtful risk management strategies with responsive, hands-on service. Her leadership continues to drive innovation, strengthen relationships, and support the growth of the care industry through reliable, forward-thinking insurance solutions.
Laura Pepe - Claims Director
Laura Pepe brings more than 17 years of experience in claims operations and strategy, with a strong background in supervising facility, physician, and nursing home claims. She has overseen all aspects of settlements, trials, mediations, and indemnity reserves management.
Laura holds a medical degree as a physician assistant and has practiced in a variety of medical specialties.
Monica Chadwick - Vice President, Risk Management
Monica Chadwick brings over 30 years of nursing, risk management, and legal nurse consulting experience to the senior living program. She conducts on-site risk assessments and collaborates with the claims team to develop effective mitigation strategies. Her background as a legal nurse consultant provides key insights for our legal team into claims defense and medical record analysis for our insureds.
Before joining in 2024, Monica held senior risk management roles at Curi and Pendulum – a senior living defense law firm.
Monica hosts national webinars on risk management protocols and best practices for senior care operators. She is also a sought-after speaker at annual national conferences, including ASHRM.
Shannon Rose - Clinical Risk Manager
Shannon Rose brings 15 years of senior living experience to CareAgents, leveraging her expertise to drive proactive risk management strategies that enhance care quality and reduce liability. With a clinical background in occupational therapy, she specializes in developing sustainable resident safety programs that benefit all stakeholders.
Before joining CareAgents in 2025, Shannon served as a senior consultant at ECRI, leading risk management initiatives for risk retention groups and spearheading collaborative programs designed to reduce resident harm and mitigate potential claims.
Shannon holds a Master’s in Public Health, is a Certified Occupational Therapy Assistant, and is certified in Long-Term Care Infection Prevention and Control.
Al Gutierrez - VP, Broker Relations
Al Gutierrez brings over 30 years of insurance industry experience to his role as Vice President of Broker Relations for Roosevelt Road Specialty, the parent company of CareAgents by K&B Specialty Insurance. Al leads CareAgents’ expansion efforts across the country.
With a career spanning regional and national insurance agencies as well as major carriers, Al possesses deep expertise in commercial insurance and a proven ability to navigate complex market dynamics.
Known for his strategic foresight and innovative approach, Al excels at building strong, mutually beneficial relationships with brokers and carriers. His collaborative style creates “win-win-win” outcomes that deliver value across the board. His background in underwriting, distribution, and product development further strengthens his ability to support and empower broker partners.
Al plays a critical role in advancing CareAgents’ growth strategy. His deep understanding of the regional market, strong negotiation skills, and commitment to excellence position him as a trusted resource for our distribution partners. He also leverages the strength of our limited distribution model and state-of-the-art underwriting platform to deliver competitive advantages to those he works with.
Sam Hickey - VP, Broker Relations
As Vice President of Broker Relations at Roosevelt Road Specialty – the parent company of CareAgents – Sam Hickey plays a critical role in fostering and expanding strategic broker partnerships. Leveraging a deep understanding of the construction business and extensive experience in both retail and wholesale insurance sectors, Sam brings a unique blend of market insight and industry expertise to the role.
Sam is dedicated to advancing CareAgents’ value proposition on a national scale. Through a focused and strategic distribution model, he underscores the company’s commitment to exceptional claims handling and industry-leading loss control services delivering tailored solutions and unmatched support to clients nationwide.
Anthony Baird - SVP, Technology Solutions
Anthony Baird is the Senior Vice President of Technology Solutions at Roosevelt Road Specialty – the parent company of CareAgents.
With a unique background that blends underwriting expertise and technical acumen, Anthony is well-positioned to address a broad range of organizational challenges. He works closely with underwriting, claims, and finance teams to enhance operational efficiency, and is committed to building technology-driven solutions that streamline processes and drive meaningful impact. Anthony is particularly focused on emerging industry trends such as automation and data analytics.
Anthony played a key role in launching the CareAgents program and led the day-to-day operations as Operations Manager with a focus on business process improvement, innovation, and IT strategy.
Anthony holds a bachelor’s degree from the University of Dallas.
Mark McDonnell - SVP, Business Auto
Mark McDonnell is a seasoned insurance professional with Roosevelt Road Specialty, the parent company of CareAgents.
Mark leads CareAgents’ business auto liability program, driving the development of tailored auto programs which meet the complex needs of insureds.
Mark’s leadership supports CareAgents’ mission to provide innovative coverage solutions backed by responsive service and a strong commitment to loss control and claims excellence.
Alex Gabriel - Underwriter
Alex Gabriel, RPLU, is a seasoned specialty lines underwriter. With strong technical acumen and a deep commitment to service, Alex brings both nuance and commercial insight to underwriting in the wholesale insurance market.
As an underwriter for CareAgents by K&B Specialty Insurance, Alex has built a strong foundation in risk assessment, policy structuring, and partnership with brokers and carriers. Alex focuses on underwriting sophisticated program business, translating broker relationships into profitable accounts while maintaining rigorous risk discipline.
Prior to joining CareAgents, Alex was the VP of Healthcare at Boston Insurance Brokerage. There he developed a national marketing strategy resulting in more than 300 new agency partnerships over the previous 12 months. He also conducted thorough risk analysis on long-term care facilities and Allied Health accounts, including care practices, loss & inspection analysis, and financial strength.
Alex holds the Registered Professional Liability Underwriter (RPLU) designation.
Alex earned a bachelor’s degree from George Mason University.
Known for clear communication, collaborative mindset, and a solutions-oriented approach, Alex is equally comfortable reviewing complex coverage triggers as building strong trusting relationships with intermediaries and clients. Outside the office, Alex is engaged in professional development and continues to raise the bar in underwriting standards.
Sara Kvale - Claims Director
Sara is a licensed attorney and adjuster with over 30 years of combined experience. During her legal career, she spent eight years in insurance defense, where she developed a passion for defending professionals in the medical and long-term care arenas. With this knowledge, she then joined a growing claims management company, where she was able to continue defending and supporting insureds through all stages of litigation. Sara has continued to follow this path for over 20 years, during which time she has managed medical claims in a number of different jurisdictions and for a number of different specialties, most recently as a senior member of the Long Term Care management team with a large TPA.
A native of Fort Worth, Texas, Sara received her B.A. from Texas Christian University, then earned her J.D. from the University of Houston Law Center. She is a member of the State Bar of Texas and DRI.
Krista Voltolina - Clinical Risk Manager
Krista brings over 25 years of healthcare experience as a health and safety educator. She assists her clients in implementing best safety practices and mitigating risk across the long-term care industry. Krista is experienced in educating interdisciplinary teams and all levels of healthcare staff.
Prior to joining in 2026, Krista worked for a worker compensation carrier and as a senior healthcare risk manager at Marsh.
Krista is a registered nurse and earned her Bachelor of Science degree in Community Health and master’s degree in Gerontology from Eastern Illinois University. She is a certified professional in healthcare risk management and holds an associate in risk management designation.
Danny Ramnarace - Operation Manager
Danny D. Ramnarace serves as an Operation Manager with a diverse professional background and a proven track record of excellence across underwriting, client service, operations, and team support. With over seven years of experience in the insurance industry, Danny currently contributes his expertise at K&B Specialty Insurance, where he specializes in E&S filings, renewal underwriting, policy servicing, and UA team management.
In his role, Danny manages outsourcing departments in India, Philippines, New York and while providing responsive, solutions-oriented support to brokers and in house underwriters. He brings extensive hands-on experience in filing state excess line policies through platforms such as InsCipher, issuing policies and endorsements, reviewing inspection reports, processing loss runs, and navigating multiple industry systems with efficiency and accuracy.
Before entering the insurance field, Danny built foundational strengths in leadership, communication, customer service, and community service through roles as a preschool teacher, restaurant manager, construction laborer, E&S state filings and commercial line underwriting. These experiences shaped his commitment to teamwork, public service, and fostering trust with clients and colleagues.
Danny holds an A.S. in Criminal Justice from Borough of Manhattan Community College and is proficient in MS Office, Excel, Adobe lightroom and photoshop, and various insurance industry platforms. Known for his professionalism, reliability, and strong work ethic, Danny continues to grow as an Operation Manager dedicated to delivering exceptional service and results.
