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. 
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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.
Health Insurance Program & Employee Benefits
An excellent Blue Cross/Blue Shield plan and alternative health plans as well as group and individual life coverage.
To learn more about these group insurance programs, please contact MALA.