General and Professional Liability Insurance Covers

  • Up to $2,000,000/$4,000,000 General & Professional Liability limits
  • No Deductible on most policies
  • Up to $1,000,000 Abuse Limits
  • Up to $20,000 Medical Payments
  • Damage to Premises Rented to You up to $1,000,000
  • Regulatory Defense Reimbursement to $5,000
  • Residents Personal Property Legal Liability to $500 per resident/$2,000 loss limit
  • Employment Practice Defense Reimbursement to $5,000
  • $100,000 Employee Benefit Liability
  • Hired & Non-owned Auto Liability up to $1,000,000
  • Costs of defending or investigating a lawsuit or claim 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.

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. Over 1,400 facilities trust PCALIC because of their passion for serving the adult residential care communities across the country. We provide customized tools to help reduce losses at your facility, assist in providing the best defense, should a claim rise, and assist in protecting your reputation. Our team provides insurance protection designed specifically for adult residential care facilities.

Bundle and Save!

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 (click link to learn more):

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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Member Testimonials


    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

    Very much appreciate the quick response and professionalism of your staff! I also love your easy steam lined approach to renewals.

    - Ana Walker

    Walker’s Group Assisted Living
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