MALA Expands Insurance Options and Resources

As previously announced, Michigan Assisted Living Insurance Services is now affiliated with Marsh & McLennan Agency (MMA) LLC and Marsh, Inc., the world's largest insurance organization. The various programs include coverage for professional liability, employment practices liability, property, auto and worker's compensation insurance.

With MMA's relationships and resources, MALA members now have access to an increased number of insurance companies with expertise in insuring assisted living, residential services and other human services. In addition, we understand that protecting an organization's assets is about more than buying insurance. We focus on risk management and loss control techniques to prevent losses.

MALA and MMA will review at no cost your existing insurance policies to assess whether your organization is properly protected at a competitive cost. Please contact MALA if you are interested in a review of your existing insurance program.

MALA is pleased to also be endorsing Lau & Lau Associates, LLC as an exciting new resource for health insurance and employee benefits. With more than 70 years of experience, Lau & Lau has extensive experience in financial and employee benefit planning services.

Lau & Lau's key competencies include health and welfare benefits, cost containment strategies, regulatory compliance, executive benefit strategies and business planning. If you are interested in learning more about Lau & Lau Associates, please call MALA at 1-800-482-0118.

Insurance Programs

MALA can put together the best package of insurance protection for you because we have been legal and business counselors, advocates, and legislative monitors to assisted living providers for 40 years. When members were asked "Why MALA for your insurance?" the top two answers were "price" and "because MALA understands our needs." Our experience and knowledge enable us to tailor specific insurance protection just for you. No unnecessary fringes and no risky gaps by providing just the coverage you need to protect what you have worked so hard to achieve. As a MALA member, you have access to the most comprehensive lineup of coverage available, from top carriers at truly competitive rates.

General and Professional Liability

Liability coverages for bodily injury and property damage liability claims.

Property Insurance for Building and Contents

These coverages generally include a special causes of loss form subject to stated exclusions only. Replacement cost coverage and numerous other coverage enhancements are available for eligible accounts.

Auto Insurance

Bodily injury and property damage liability coverage and physical damage coverage for cars, vans and mini-vans.

Package Policies

Combine general and professional liability, property and auto coverages.

Workers' Compensation Insurance

Highly competitive rates for statutory coverages required by Michigan law are provided through the Michigan Assisted Living Workers' Compensation Fund, a self-insured program approved by the State of Michigan. More Information

Directors & Officers Liability

Important coverage for wrongful discharge, discrimination and sexual harassment claims and other alleged management errors.

Employment Practices Liability

Important coverage for wrongful discharge, discrimination, sexual harassment and other covered employment practices liability claims.

Umbrella Liability Insurance

Additional liability insurance above the liability coverage provided under the other policies.

To learn more about these group insurance programs, please contact MALA.