Our Mission

The PCH Difference

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Sharing the burden

PCH is not your typical commercial insurance carrier. We are owned by you and your fellow caregivers, coming together to share each other’s burden and shoulder the risk collectively. 

We don’t operate to generate profits, we simply work to keep the company healthy so we have everything you need to serve you when you need us the most.

When you speak, PCH listens

Because you asked for it we now offer online applications, risk management tools, access to continuing education, sample risk mitigation forms and other innovative programs. We eliminated deductibles, created programs to protect property, yours and your resident’s, and now offer companion workers compensation coverage. 

PCH policies also offer regulatory coverage for your costs associated with regulatory disputes and employment practices liability insurance.
We’re excited to announce we are now offering automatic renewal for eligible members.

PCH knows the value of transparency

Transparency and open communication are the foundation of any good relationship. PCH values its relationship with you, our members. We encourage you to share your concerns with us without fear of losing your coverage or skyrocketing premiums. The earlier you tell us the facts and circumstances surrounding a possible claim, the sooner we are able to help you and address any concerns related to an incident.

In our experience, early intervention leads to much better outcomes, and that is good for you and PCH. We want to take the stress and fear out of adverse events. When it comes time for renewal, we evaluate insureds considering all of the facts, including your communication skills, responsiveness and diligence in the face of unfavorable incidents. If a member is non-renewed, it comes down to whether the individual, one member, poses too great a risk for the health of the collective, all members. If the collective will not suffer, then we are happy to keep the family together.

An RRG specifically for your industry

PCH Mutual Insurance Co., Inc., a risk retention group (RRG), believes in the unique benefits of small and mid-sized facilities for seniors and those with special needs. 

Whether you operate an assisted living facility, residential care facility, personal care home, adult family home, adult foster home, or home health/companion care agency we are here to support your extraordinary ability to bring personal service to your residents, clients and families. As a risk retention group designed specifically to serve your industry, we bring that same personal touch to your insurance experience.

Top-rated insurance

PCH Mutual has achieved the highest financial stability rating from Demotech, Inc., the first financial analysis company to review and rate specialty insurance companies like ours. Such ratings are a leading indicator of an insurer’s financial stability, providing an objective baseline of its anticipated future solvency. 

Such ratings are a leading indicator of an insurer’s financial stability.  This rating reflects Demotech, Inc.’s confidence in PCH Mutual’s ability to comfortably meet its future payment obligations regardless of general economic conditions.