You may think employees of adult residential homes are in a low-risk environment. But that’s not true.
According to the Bureau of Labor Statistics, adult residential care and assisted living facilities have a lost workday illness injury rate (LWDII) that is more than four times higher than mining, construction, and manufacturing!
One of the main reasons is because of all the injuries that happen while employees are manually lifting patients. Injuries frequently occur when employees are moving residents to and from bed, helping them bathe and positioning them in chairs.
You have a high risk of these and other work-related injuries happening to your employees and care providers. The average cost of one of these work-related injuries is $36,551.
The question is: how well are you covered?
Why Assisted Living Facilities across the USA Choose PCALIC
Over 2,800 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.
“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.
Here’s what some of our over 2,800 members say about us:
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 20 years.
The PCALIC team lives our motto of “Caring for those who care” every day for over 2,800 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.
We also offer competitive rates on the following types of insurance:
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.
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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 profit. Resulting in lower premiums for you.
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Workers' Compensation Insurance for Assisted Living Homes
What Workers’ Compensation Insurance Covers
Remember, Workers’ Compensation Insurance covers the following:
• 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?
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.
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 adult residential care facilities in the same category as nursing homes. Our unique Workers ’ Compensation Insurance through Service American often results in lower premiums.