Tangram / PCALIC – Program Administrator for Personal-Care and Assisted-Living Providers Supporting North Carolina Homes
Helping North Carolina Senior-Care Ecosystems Through Dedicated Personal-Care and Assisted-Living Insurance Programs
Tangram Insurance Services, through its Personal Care & Assisted Living Insurance Center (PCALIC), administers specialized insurance programs for adult residential care facilities, including personal-care and assisted-living homes. Tangram/PCALIC does not issue hybrid life-and-LTC rider products; instead, it focuses on program design, underwriting, and administration for liability and property coverage tailored to this niche. For North Carolina senior-care ecosystems, Tangram/PCALIC matters when smaller homes need a dedicated program partner.
Who Is Tangram / PCALIC in Adult Residential Care Risk?
Tangram Insurance Services, a national program administrator, offers various niche programs, including the Personal Care & Assisted Living Insurance Center, which has provided insurance for adult residential care for many years. PCALIC’s program—underwritten by carriers such as PCH Mutual—includes general-liability, professional-liability, cyber, and commercial-property coverage designed around adult residential care operations. Tangram manages the program’s underwriting, marketing, and servicing, ensuring coverage aligns with regulatory and practical realities.
In North Carolina, personal-care and assisted-living homes access these programs through Tangram/PCALIC to secure coverage that fits their size and risk profile.
Why North Carolina Senior-Care Ecosystems Need Tangram / PCALIC
North Carolina senior-care ecosystems may rely on Tangram / PCALIC when:
- Adult residential homes require a dedicated insurance program tailored to their service model and regulatory environment.
- Tangram’s underwriters and service team request detailed operational and incident information from NC homes to underwrite accounts and assist with claims.
- Program success depends on understanding incident patterns, supervision practices, and care-plan documentation in smaller-scale settings.
That makes well-organized documentation particularly important for keeping coverage accessible and affordable.
Case Study: Tangram / PCALIC Program for a North Carolina Personal-Care Home
A North Carolina personal-care and assisted-living home joins the PCALIC program administered by Tangram. Over time, residents experience a series of minor falls and one more serious incident, alongside a family complaint regarding supervision. Tangram and the carrier request:
- Incident reports, follow-up notes, and corrective actions.
- Daily support logs showing assistance with ADL-like tasks such as bathing, dressing, and medication reminders.
- Care-plans and notes documenting communication with families and physicians.
- Policies and procedures covering falls, medication support, and staffing ratios.
The home maintains much of this information in paper notebooks and simple spreadsheets. Pulling records for Tangram and the carrier is labor-intensive, and the home struggles to convincingly demonstrate patterns of improvement.
The provider adopts Caring Data, capturing incidents, support activities, care-plan updates, and communication logs in a structured, digital format. When Tangram or the carrier requests information, the NC home can export organized reports that show how staff responded, what changes were made, and how risks are monitored going forward. This helps Tangram underwriters see the provider as a proactive partner, supporting more stable terms.
How Caring Data Complements Tangram / PCALIC
Caring Data helps North Carolina adult residential care providers fit seamlessly into Tangram/PCALIC’s program framework. For NC communities, Caring Data:
- Links incidents to support logs, care-plan changes, and family or physician communications.
- Simplifies producing documentation for underwriting reviews, claims, and renewals.
- Improves transparency for residents, families, Tangram, and partner carriers throughout the claim lifecycle.
Explore Caring Data:
Book a Demo:
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Testimonial
“Because our North Carolina personal-care and assisted-living home participates in a specialized program administered by Tangram/PCALIC, the quality of our documentation has a direct impact on coverage and claims. Caring Data has helped us centralize and elevate our incident and care-plan data, which Tangram and our carrier now rely on when reviewing North Carolina adult residential care claims. I would recommend this combination to any North Carolina provider in the PCALIC program.”
— Administrator, Personal-Care and Assisted-Living Home, North Carolina
Key Contact
Tangram Insurance Services / PCALIC
Program overview – Personal Care & Assisted Living Insurance Center: https://pcalic.com
Website:
https://pcalic.com
Address (listing):
550 South Hope Street, Suite 800, Los Angeles, CA 90071
Phone (listing): 1-800-673-2558
Contact example:
Camie Poplawski – pcalic@tangramins.com
Final Thoughts
North Carolina senior-care ecosystems benefit from program administrators like Tangram/PCALIC, which dedicate entire programs to personal-care and assisted-living homes. Caring Data provides the documentation foundation that keeps those programs workable and equitable.
CNA – North Carolina
CNA – North Carolina