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Assisted Living Facilities: Finding ALF Insurance |
Personal Care and Assisted Living Insurance Center - a marketing website located in Hanover, Pa., operated by the PCH Mutual Insurance Company. PCALIC provides tailored coverage for assisted living facilities in “select states,” including Maryland. Kimberly Miller, Manager of Elesy Manor, Baltimore County, uses PCALIC and recommends it. It describes itself as a "nonprofit, special purpose insurance company providing professional and liability insurance to assisted living facilities in 9 states, including Maryland."
Trustpoint Insurance - Jonathan Edenbaum, owner and manager of Eden Homes, Montgomery County, uses this company and recommends it and its agents in Richlands, Va.
Guide One Insurance - Claims to be one of America’s top five insurers of “Senior Living Communities,” including assisted living facilities. Several agents in the Baltimore area offer Guide One policies.
Church Mutual Insurance Company - Claims to have insured assisted living facilities for more than 30 years. It currently writes policies in 37 states, including Maryland.
Fireman’s Fund Insurance Company - Offers “Senior Living insurance solutions for assisted and independent living” in Maryland through its “Senior Living Agency network.”
Tips for ALF Operators on Insurance Purchases
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Before you buy – Make sure that the company is licensed to write policies in Maryland. The Maryland Insurance Administration has an on-line searchable database of active insurance companies. Here is more information on how to use the database or to search for agents, agencies and brokers licensed to do business in Maryland. Also, consider finding out the financial stability rating of the company. For more information see the brochure on services offered by the Maryland Insurance Administration (PDF).
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After you buy – If you have a complaint, first contact the company and document your interaction with the company representative. If your complaint is not resolved, you can file a complaint with the Maryland Insurance Administration on-line or in writing. See their website for the forms and tips on how to write a complaint letter. Also see contact information for the Administration.
Important Note - If you are a provider in Prince George's County, Baltimore City, or Baltimore County, and you want to participate in the Senior Assisted Group Home Subsidy Program, you must carry liability insurance in order to be approved by the Department of Aging area agency on aging. For all other counties, liability insurance is not required for approval.
| Source: Legal Aid Bureau’s Maryland Legal Assistance Network, in partnership with the Senior Legal Helpline, and the Assisted Living Project the under a grant from the Maryland Department on Aging to the Legal Aid Bureau. Updated by the Maryland State Law Library (MSLL). |
Date last reviewed (no legal content): 10/28/08 (PLL/M.A.J.) |
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About this website. The Maryland State Law Library, a court-related agency of the Maryland Judiciary, sponsors this site. The website was developed (1999-2007) as part of an access to justice initiative by the Maryland Legal Assistance Network (MLAN) in collaboration with a number of legal services providers serving low and moderate income Marylanders. In the absence of file-specific attribution or copyright, the Maryland State Law Library may hold the copyright to parts of this website. You are free to copy the information for your own use or for other non-commercial purposes with the following language “Source: Maryland's People’s Law Library – www.peoples-law.org. © Maryland State Law Library, 2007.” |
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