CARESTR Risk Retention Group

Liability insurance built for the organizations that care for others.

CareStar Risk Retention Group, Inc. is a member-owned insurance company providing general and professional liability coverage for human services organizations — created to bring stability, specialization, and alignment to a market underserved by traditional carriers.

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Who We Serve

Purpose-driven organizations, purpose-built coverage.

Social Service Agencies

Organizations delivering community and family services.

Youth Care Organizations

Programs serving children and young people in residential and community settings.

Affordable Housing

Providers and operators of affordable and supportive housing.

Nonprofits

Mission-driven organizations across the human services sector.

About CareStar

Member-owned. Specialist-managed.

CareStar was licensed in 2026 as a risk retention group — an insurance company owned by the insureds it serves. Coverage is written on general and professional liability forms tailored to human services exposures, supported by independent actuarial analysis, dedicated claims handling, and specialized loss control.

The program is managed by CareStar Manager LLC.

Get In Touch

Ask about coverage for your organization.

For program information, appointment inquiries, or submissions, reach out and we'll respond promptly.

jelbogen@nsspecialty.com