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Workplace Risks Are Higher Than You Think
It’s easy to assume that employees in adult residential homes work in a low-risk environment. But the reality is much different.
According to the Bureau of Labor Statistics, the lost workday illness and injury rate (LWDII) for adult residential care and assisted living facilities is over four times higher than industries like mining, construction, and manufacturing.
A significant contributor to this statistic is the physical strain of manually lifting and moving residents. Common injuries occur while helping residents in and out of bed, assisting with bathing, or positioning them in chairs. These incidents can result in serious injuries for your employees and care providers.
The financial impact is just as significant—the average cost of a work-related injury is $36,551.
So, the real question is: how well are you covered? Workers’ compensation insurance is not just a legal requirement—it’s an essential safeguard for your team and your business.
What Workers’ Compensation Insurance Covers
- Pays for replacement wages and medical expenses when an employee is injured.
- If an employee sues you over a work-related injury the policy doesn’t cover, it pays for legal expenses.
- Complies with state Workers’ Compensation laws.
Without Workers’ Compensation, you stand the risk of high costs in medical and legal bills. Can you afford to absorb that cost?
Request Quote
Complete the form on this page now to request a free quote on Workers’ Compensation Insurance or call 800-673-2558 to speak with a PCALIC team member now.
Why Assisted Living Facilities
across the USA Choose PCALIC
Over 4,000 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 profit. Resulting in lower premiums for you.
Is Your Insurance Costing You Nursing Home Rates?
If your insurance provider doesn’t specialize in assisted living facilities, you could be paying more than you need to.
Many insurance companies group adult residential care facilities into the same category as nursing homes, leading to inflated premiums. With our specialized Workers’ Compensation Insurance through Service American, you may benefit from significantly lower rates tailored to your facility’s unique needs.
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 4,000 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 protecting your reputation. As well as insurance protection designed specifically for adult residential care facilities.
Here’s what our members have to say:
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.
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.
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.
One-Stop Shopping!
Here at PCALIC we provide a one stop shop for adult residential care organizations. Special care is taken to assure your facility has complete insurance protection so there are no surprises later on.
We also offer competitive rates on the following types of insurance:
General and Professional Liability Insurance
Commercial Property Insurance
Workers Compensation
Request Free Quote Just answer 7 simple questions.