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  • Open to qualified long-term care facilities in Florida.
  • Stock purchase required/one time charge $33 per licensed bed, or $200 for one share.
  • Shareholder must accept risk management and claims protocols.


  • Access to quality coverage.
  • Competitive prices.
  • Discounts available to Association members (FALA and FAHSA) in good standing subject to verification.
  • Book value of stock doubled since inception.


     Limits available: Combined GL/PL

  • $50,000/$150,000
  • $50,000/$200,000
  • $100,000/$200,000
  • "A" rated reinsurance
  • $100,000/$300,000
  • $250,000/$500,000
  • $500,000/$500,000
     Limits available: Alternative Programs

  • $500,000/$1,000,000
  • $1,000,000/$1,000,000
  • Claims-made form.
  • Punitive damages excluded.
  • One-year maximum term.
  • Risk management protocols.
  • Claims management protocols.
  • $500,000/$1,500,000
  • $1,000,000/$3,000,000
  • Defense cost outside limits.
  • Per-claim minimum deductible: $0.
  • Per-claim maximum deductible: $100,000.
  • Annual premium subject to underwriting.
  • Occurence Form.


  • Application for each location.
  • Five years’ loss runs valued within 90 days.
  • Latest state survey, plan of corrections, and compliance form.
  • Current CMS 671 & 672 (Skilled Nursing only).
  • Quality indicator reports (Skilled Nursing Only).
  • CCRC's - Submit copy of admission agreement.
  • Fall procedures.
  • Current state license.
  • Most recent financial statements.
  • Skin care protocols.
  • Copy of elopement procedures.
  • Resumes of Administrator, Director of Nursing, and Risk Manager.
  • Check made out to Ponce de Leon LTC RRG, Inc. for shares of stock.
  • Check made out to Ponce de Leon LTC RRG, Inc. for premium.
  • RRG documentation items.
Click here to download the Demotech Rating Brochure Demotech Rating Ponce de Leon.pdf. Call Sharon Lanier, Lead Underwriter (678) 781-2361 for additional information.