Are You Paying the Same High Costs for Insurance as a Nursing Home, but You’re NOT a Nursing Home?

Unless your insurance company specializes in assisted living facilities there’s a good chance you’re overpaying on your insurance.

That’s because most insurance companies throw assisted living facilities in the same category as nursing homes, resulting in higher rates for you.

Why Assisted Living Facilities across the USA Choose PCALIC

Over 1,400 assisted living providers of all sizes have chosen PCALIC because of our proprietary insurance program created for assisted living and companion care organizations only. The unique liability insurance offered is through PCH Mutual, a member-insured owned company, which means there are no stockholders to please and profit. Resulting in lower premiums for you.


PCH has the qualities you thought you’d never find in an insurer. Unlike major commercial carriers PCH’s assets are fully invested in you, its members. Our collective identity is dedicated to serving your needs with, no deductibles, innovative risk management strategies and the flexibility to respond to our insured’s requests and needs.

With PCH you have peace of mind so you’re free to devote yourself to the business of providing quality, compassionate care to your residents.

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Here’s what some of our over 1,400 members  say about us:

“We saved OVER 30%… The insurance crisis, resulting in increased premiums and reduced insurance coverage almost put us out of business. It is nice that people like you care enough to find solutions for businesses like ours.”

- Bob Wonder, 
Pennsylvania Personal Care Homes

“I almost gave up finding an insurance company for our General Liability coverage, then I was referred to PCALIC. I submitted an online quote and Brian responded almost immediately. Now we have peace of mind knowing that we are covered should something happen."

- Arnold Blankson,
Mountain View Care Home

“I probably would not be in business anymore had it not been for the insurance PCALIC made available.  As a small PCH owner I can barely keep my head above water.  It is wonderful having an advocate who goes to bat for me.”

- Annie Fehnel ,
Morning Star Manor, Inc.

General and Professional Liability Insurance Covers

  • Up to $2,000,000/$4,000,000 General Liability limits
  • Up to $2,000,000/$4,000,000 Professional Liability limits
  • $0 Deductible on most policies
  • Up to $1,000,000 Abuse Limits
  • Up to $20,000 Medical Payments
  • Regulatory Defense Reimbursement
  • Residents Property
  • Employment Practice Defense Reimbursement
  • $100,000 Employee Benefit Liability
  • Costs of defending or investigating a lawsuit against your facility
  • Reasonable expenses incurred when insurance company asks you to assist in your defense
  • Judgements or settlements resulting in covered suits
  • The premium on a court mandated bond connected with a liability suit.
  • Bodily Injury and Property Damage

Why Choose PCALIC?

Personal Care and Assisted Living Insurance Center (PCALIC) has provided insurance for assisted living facilities and adult residential care facilities across the United States for over 15 years.  

The PCALIC team lives our motto of “Caring for those who care” every day for over 1,400 facilities who trust PCALIC because of their passion for serving the adult residential care communities across the country. We provide customized tools to help you reduce losses at your facility, assist in providing the best defense should a claim arise and assist in protected your reputation. As well as insurance protection designed specifically for adult residential care facilities.

One-Stop Shopping!

Here at PCALIC we provide a one stop shop for adult residential organizations. Special care is placed to assure your facility has the complete insurance protection you need so there are no surprises later on.

We also offer competitive rates on the following types of insurance:

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