Tangram Insurance Services – Program Administrator for Delaware Personal-Care and Assisted-Living Providers

Supporting Delaware Senior Care Communities with PCALIC and Other Program Solutions

Some personal-care and assisted-living providers serving Delaware work with Tangram Insurance Services as the program administrator for PCALIC and other niche programs. Tangram Insurance Services is based in Petaluma, California, at 140 Second St., Suite 230, and oversees program distributions like Personal Care & Assisted Living Insurance Center.

For Delaware senior-care facilities insured through PCH Mutual, Tangram and PCALIC are the primary front-end contacts for marketing, policy service, and claims coordination, via phone 1-800-673-2558 and email pcalic@tangramins.com.

Who Is Tangram Insurance Services?

Tangram Insurance Services is an independent program manager and MGA that creates and administers niche insurance programs across the United States. Its LinkedIn profile lists the primary address 140 Second St., Ste 230, Petaluma, CA 94952 and highlights programs in social services, cannabis, habitational, and personal-care housing via PCALIC.

Tangram’s team includes leaders such as Camie Poplawski, VP of Agency/Sales, who brings personal-lines and program experience to distribution and partner relationships.

Why Delaware Assisted Living Facilities Need Tangram

Delaware personal-care and assisted-living homes may interact with Tangram when:

• They obtain coverage through PCALIC’s personal-care and assisted-living program.
• They need program-level servicing, risk-management resources, and claims coordination.
• Their agents work directly with Tangram on submissions and renewals.

Tangram serves as the operational and program hub behind PCH Mutual and PCALIC for these facilities.

What Sets Tangram Apart

Tangram emphasizes:

• A program-focused business model, with tailored solutions for specific sectors such as social services and personal-care housing.
• A team of program specialists and agency leaders like Camie Poplawski who support agents and insureds.
• Integration of marketing, underwriting, and service for PCH Mutual/PCALIC-placed risks.

For Delaware senior-care operators, this means one program administrator coordinates much of the lifecycle of their PCH Mutual policy.

Services for Delaware Facilities

As program administrator for PCALIC and related lines, Tangram helps support:

• Marketing and underwriting for PCH Mutual’s personal-care and assisted-living coverage.
• Claims coordination and early-intervention via the Loss Impact Hotline and pcalic@tangramins.com.
• Risk-management resources and communication with insured facilities.

Facilities typically interact with Tangram/PCALIC personnel for both day-to-day servicing and program updates.

Industry Insight: The Real Cost of Staff Burden in Program-Managed Senior-Care Facilities

Tangram’s role across many personal-care and social-service programs makes it clear that staff burden and inconsistent documentation at facilities drive program loss ratios. When incident reports, care notes, and corrective-action documentation are sparse, even minor issues can escalate into larger claims that raise costs across all program participants.

Delaware assisted-living and personal-care homes that invest in documentation discipline help Tangram maintain program quality and pricing.

Case Story: When Documentation Gaps Limit Program Flexibility

When Tangram negotiates with carriers on behalf of PCALIC/PCH Mutual, it must present accurate loss runs and narrative context. If the underlying facility records are incomplete, Tangram has little evidence to counter negative loss trends, which can result in stricter underwriting, higher deductibles, or reduced limits for all members.

Facilities that maintain and share thorough documentation give Tangram more flexibility in designing and negotiating program terms.

How Caring Data Complements Tangram-Managed Programs

Tangram’s program performance depends on the quality of data it receives from facilities. Caring Data helps Delaware assisted-living and personal-care homes centralize incident reports, care documentation, and corrective-action plans, producing cleaner datasets that Tangram can leverage for underwriting and stewardship.

By improving documentation discipline and visibility, Caring Data supports stronger program outcomes and better negotiations with carriers behind Tangram programs.

Explore Caring Data: https://caringdata.com/

Book a Demo: https://calendly.com/saile/60min

Testimonial

“Managing a personal-care or assisted-living home means balancing resident care, staff performance, regulatory compliance, and financial risk — all at once. Working with Tangram and PCALIC has given us a program administrator that understands our niche. Using Caring Data as our compliance platform has helped ensure Tangram always has accurate documentation to share with carriers. I would recommend this combination to any Delaware provider who takes risk management seriously.”

— Executive Director, Assisted-Living Home, Delaware

Get in Touch with Tangram / PCALIC

Websites:
Tangram Insurance Services: https://tangramins.com

• PCALIC: https://pcalic.com

Key Contacts:
PCALIC/Tangram – Phone: 1-800-673-2558; Email: pcalic@tangramins.com.

Final Thoughts

Delaware personal-care and assisted-living homes that partner with Tangram and PCALIC benefit from a program administrator built around their needs. Strong documentation—supported by Caring Data—helps keep those programs stable.

CNA – Delaware