complaint·September 11, 2025

It was alleged that the facility’s liability insurance lapsed due to non-payment and the facility does not have liability insurance. LPA interviewed AD who stated they stopped paying for their old insurance because the premium had gotten too high and had switched to a new insurance. LPA reviewed the facility’s Cancellation Endorsement for Policy No. 0100231885-2 which indicates the facility’s liability insurance policy was cancelled effective August 20, 2025. However, per AD, the facility obtained new insurance and now has insurance. LPA reviewed the facility’s Certificate of Liability Insurance for Policy No. PCI96398721-01 which indicates the facility has liability insurance effective September 3, 2025. LPA interviewed a witness at AD’s new insurance company who confirmed that this policy is effective September 3, 2025, and is not retroactive. Although the facility currently has liability insurance, the information obtained corroborated that the facility did not have liability insurance between August 20, 2025, and September 3, 2025. During the course of the investigation, the Department obtained sufficient evidence to substantiate the allegation mentioned above. The preponderance of evidence standard has been met; therefore, the above allegation is Substantiated. See LIC9099D for cited deficiencies per Title 22 Division 6 of the California Code of Regulations. An exit interview was conducted and a copy of this report and appeal rights was discussed with and provided to facility representative.