PCALIC, LLC

PCALIC, LLC Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from PCALIC, LLC, Insurance Agent, 7200 Redwood Boulevard , Suite 320, Novato, CA.

The Personal Care & Assisted Living Center (PCALIC) provides comprehensive insurance solutions for business owners and operators of residential assisted living homes, adult foster homes, and personal care homes. The Personal Care & Assisted Living Center (PCALIC) was specifically created to provide one-stop insurance services to business owners and operators of adult residential care organizations

. PCALIC can provide multiple lines of insurance including general liability, commercial property, employment practices liability, workers compensation, director's & officer's liability, cyber liability, and personal liability. PCALIC, LLC also specializes in customized risk management and best practice tools for assisted living facilities, adult family homes, adult foster home and adult residential care homes. The experienced team at PCALIC focuses on evaluating your risks and offering customized insurances solutions that meet the specific needs of your specific residential care facility or home.

Did you know adult residential care has an injury rate more than four times higher than mining, construction, and manufa...
07/15/2026

Did you know adult residential care has an injury rate more than four times higher than mining, construction, and manufacturing combined? That's straight from the Bureau of Labor Statistics.

Read that again. A facility with a quiet hallway and a shared living room outpaces the industries most people picture when they hear "dangerous work." 🏠

The reason isn't broken equipment. It's the everyday work of caring for residents. Lifting, transferring, repositioning, catching a fall before it happens. Dozens of times per shift, across every shift, every day.

And the cost lands hard. The average work-related injury now runs $36,551 per incident. For most small residential care operators, that's more than a month of revenue gone to a single claim.

When we sit down with new facility owners, here's what we often find: workers comp limits set for a "low-risk office," no accounting for how often soft-tissue and back injuries happen, and no plan for what happens when two claims hit in the same year.

If your workers comp policy assumes your staff isn't doing anything dangerous, the numbers say otherwise. Your coverage should reflect the work your team actually does.

Review your limits before a claim forces the conversation.

The lost workday illness and injury rate in adult residential care is more than four times higher than mining, construct...
07/13/2026

The lost workday illness and injury rate in adult residential care is more than four times higher than mining, construction, and manufacturing combined.

Read that again. Combined. 🏥

It's one of the most common misconceptions we see among facility operators. The work looks calm from the outside. Quiet hallways. Warm meals. Familiar routines. So workers compensation gets treated as a box to check, not a real financial safeguard.

But the day-to-day tells a different story. Your staff are manually lifting, repositioning, transferring, and bathing residents every single shift. Back injuries. Shoulder strains. Slip-and-falls during a transfer. These aren't rare events. They're the reality of caregiving.

And they carry a price tag. The average workers comp claim in this space runs $36,551. For a small or mid-size facility, one serious staff injury can reshape an entire year of margins.

When operators see the real risk profile, everything shifts. Workers comp stops looking like overhead and starts looking like protection for the business you've built. Coverage limits get measured against actual claim costs, not state minimums. Safe-lifting protocols and staff training get funded, because the value is finally clear.

Your residents are your mission. Your staff are the people who deliver that mission every shift. Both deserve a policy built for the risks they actually face, not the ones the industry assumes they face.

Our office will be CLOSED tomorrow for the holiday weekend. We will return Monday, 4/17.
04/14/2022

Our office will be CLOSED tomorrow for the holiday weekend. We will return Monday, 4/17.

04/12/2022

Behavioral health is the fastest-growing area affecting post-acute communities today. Adults in post-acute care often struggle with neurocognitive disorders (NCD), including delirium, amnestic disorders, major neurocognitive disorders due to medical conditions, cerebrovascular disease, and alcohol-related cognitive issues. Caring for adults with behavioral health challenges is creating new care service opportunities for providers — but it can also result in serious clinical and compliance issues, and even new stress levels for care teams, if not managed and executed with compassion, awareness and education.

By attending this webinar, post-acute facilities and communities will learn how to:
-Understand residents by understanding their behaviors: How to diligently, thoroughly and correctly assess new onset impairments and changing cognition to achieve regulatory compliance and high standards of person-centered, quality care while avoiding readmissions to the hospital.
-Navigate the pharmacotherapy interventions of NCD: How to reduce unnecessary psychotropic medications, which put facilities at-risk for clinical, regulatory, and ethical challenges.
-Improve use of non-pharmacologic behavioral interventions for challenging behaviors: How practitioners can successfully use their first line of behavioral intervention, effective communication, to increase resident and family satisfaction and improve CMS Five-Star Ratings.
-Utilize combinations of pharmacological and behavioral interventions to decrease rehospitalizations, compassionately care for residents with changing cognition and challenging behaviors, and increase toolboxes to reduce clinician and staff stress.

By attending this program in its entirety, you can earn 1 CE credit!

Register now: https://mcknights.tradepub.com/free/w_defa2383/prgm.cgi?a=1&AffiliateData=042622-FCB

TeamHealth

02/23/2022

Long-term care providers struggling with finding workers have a unique opportunity to create a pipeline of foreign workers, thanks to a visa program being used by thousands of companies across the country.

Just a reminder that our office will be CLOSED Monday, February 21st, for Presidents Day.
02/18/2022

Just a reminder that our office will be CLOSED Monday, February 21st, for Presidents Day.

02/18/2022

While many nursing home residents across the country may have received letters of love and appreciation from local community members for Valentine’s Day, those at a Georgia nursing facility received heartfelt messages from man’s best friend.

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7200 Redwood Boulevard , Suite 320
Novato, CA
94945

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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