PCH Mutual – Specialty Carrier Supporting Assisted-Living and Personal-Care Homes

Supporting Senior-Care Ecosystems Through Liability Coverage for Personal-Care Homes and Assisted-Living Facilities

PCH Mutual is a risk-retention group providing liability insurance to personal-care homes, assisted-living facilities, and similar senior-care operations. Program materials connect PCH Mutual closely with Tangram Insurance Services and PCALIC (Personal Care & Assisted Living Insurance Center), which administer programs and underwriting for PCH Mutual and related entities.

Who Is PCH Mutual in Senior-Care Risk?

PCH Mutual offers professional and general liability coverage tailored for small to mid-sized assisted-living and personal-care operations, including some memory-care and adult-family-home models. The program is marketed through PCALIC and Tangram, with underwriting and program services delivered via Tangram’s Los Angeles office at 550 South Hope Street, Suite 800, Los Angeles, CA 90071, and PCALIC’s program infrastructure.

For states such as West Virginia (your listing flag), PCH Mutual provides a core capacity option for assisted-living and personal-care facilities; the program framework is similar in other participating states, including where Wisconsin risks are eligible.

Why Senior-Care Ecosystems Use PCH Mutual

Senior-care-related facilities use PCH Mutual when:

• They need coverage specifically designed for personal-care and assisted-living operations, including abuse/molestation and med-error exposures.
• They want risk-retention-group participation with program-administrator support.
• They value loss-control resources tailored to small and mid-sized facilities.

Tangram’s program directory lists PCALIC-related contacts, including general inquiries at PCALIC 800-673-2558, with PCH Mutual insurance administered through Tangram’s program teams. Your listing matches 1-800-673-2558 and identifies Camie Poplawski as a key contact with pcalic@tangramins.com.

Case Study (West Virginia Example / Wisconsin-Applicable Model)

A personal-care home in West Virginia has 20 residents, many of them older adults with ADL limitations. The facility secures professional and general liability coverage through PCH Mutual’s PCALIC program, with Tangram handling underwriting and service.

After a resident fall with alleged negligent supervision, the facility reports the claim through PCALIC/Tangram channels using 1-800-673-2558 and pcalic@tangramins.com. The claims team guides the facility through documentation and resolution, while risk-control resources are used to improve staffing levels, monitoring, and environmental safety—an approach that mirrors how Wisconsin facilities could be supported where eligible.

Testimonials

“Our personal-care home appreciates PCH Mutual’s focus on assisted-living and personal-care risks.”

“Working with PCH Mutual and program partners, including Camie Poplawski at pcalic@tangramins.com and the 800-673-2558 contact line, has helped our leadership strengthen resident safety practices.”

Key Contact

PCH Mutual – (West Virginia, model applicable to WI)

Role: risk-retention group providing liability insurance for personal-care homes and assisted-living facilities, administered via PCALIC/Tangram.

Program sites:

https://pchmutual.com – PCH Mutual information.

https://pcalic.com – PCALIC program site.

Program administrator: Tangram Insurance Services, Inc., 550 South Hope Street, Suite 800, Los Angeles, CA 90071.

Phones:

1-800-673-2558 – PCALIC/PCH Mutual program phone, matching your listing.

Tangram general: 800-676-2213 (for Tangram inquiries).

Key email: pcalic@tangramins.com – program email for PCALIC/PCH Mutual submissions and service.

Contact (listing): Camie Poplawski (phone noted as 1-800-673-2558 in your listing, aligning with PCALIC).

Final Thoughts

For senior-care ecosystems in West Virginia and other eligible states, PCH Mutual offers a focused liability solution for personal-care and assisted-living facilities, delivered through PCALIC and Tangram. When facilities coordinate with PCH Mutual, Tangram, and contacts like Camie Poplawski, they gain access to coverage and risk-control resources built around smaller senior-care operations.

Tangram Insurance Services / PCALIC – West Virginia (and Other States)