Tangram / PCALIC – Program Manager Specializing in Adult Residential-Care and Assisted-Living Insurance in Oregon
Supporting Oregon Senior-Care Ecosystems Through Dedicated Adult Residential-Care Facility Coverage
Tangram Insurance Services is one of the nation’s larger independent managing general underwriters and program managers and acquired the Personal Care & Assisted Living Insurance Center (PCALIC) in 2021. PCALIC is now a division of Tangram and specializes in providing tailored insurance solutions for adult residential-care facilities and non-medical home-care organizations, with a long history of serving adult family homes, personal-care homes, and assisted-living facilities across the country. For Oregon, Tangram/PCALIC is a focused market for community-based senior-care homes and smaller assisted-living operations.
Who is Tangram / PCALIC in Oregon Senior-Care Risk?
PCALIC was launched to help adult residential-care facilities obtain affordable insurance and easy-to-implement risk-management solutions and now operates as a Tangram division. Tangram’s Assisted Living and Personal Care program is described as a “dedicated residential care facility insurance program built for brokers who need specialized underwriting and reliable capacity,” offering professional-liability and commercial-property insurance for adult residential-care homes.
PCALIC’s services emphasize tailored insurance for adult residential-care facilities and non-medical home-care organizations, explicitly focusing on adult family homes, personal-care homes, assisted-living facilities, and related settings. It is also referenced as a direct carrier for general liability, cyber, homeowners, and workers’ compensation specific to AFH and RCFE-type risks. In Oregon, this makes Tangram/PCALIC an important resource for small residential-care homes and non-medical home-care organizations caring for older adults in community settings.
Why Oregon Senior-Care Ecosystems Need Tangram / PCALIC
Oregon senior-care ecosystems rely on Tangram/PCALIC when:
- Adult family homes, personal-care homes, and small assisted-living facilities need specialized liability and property coverage aligned to their care models and regulatory environment.
- Non-medical home-care organizations want coverage built around in-home personal-care services rather than generic commercial GL policies.
- Brokers seek an experienced program manager for residential-care risks instead of trying to fit these operations into standard markets.
Standardized incident and claims data—covering resident falls, medication-administration issues, behavioral incidents, elopements, abuse/neglect allegations, pressure-injury events, and premises-liability incidents—help Tangram/PCALIC understand the risk profile of Oregon homes and home-care operations. When providers adopt structured schemas (for example, via Caring Data) and share de-identified aggregate datasets, Tangram can refine pricing, adjust limits and deductibles, and target risk-management resources toward Oregon’s most frequent and severe incident types.
Case Study (Oregon Focus)
An Oregon operator runs several adult family homes and small assisted-living residences for older adults with dementia and mobility limitations. Coverage is placed in Tangram’s Assisted Living and Personal Care program through PCALIC for professional-liability, general-liability, and commercial-property insurance. Tangram/PCALIC suggests that the operator standardize incident reporting across all Oregon homes to support renewals and risk-management initiatives.
The operator implements Caring Data to record each incident—falls, medication variances, behavioral outbursts, elopements, suspected abuse/neglect, and slip-and-fall events—with standardized incident types, severity levels, locations, and contributing-factor tags. De-identified Oregon-wide summaries and home-level breakouts are shared with Tangram/PCALIC via pcalic@tangramins.com and through PCALIC’s resource portal contacts. Analysis shows that two homes have significantly higher nighttime-fall and behavioral-incident rates than the others. Tangram/PCALIC works with the operator to implement focused fall-prevention and behavior-management training, revise staffing patterns, and recommend modest physical-environment modifications. As results improve, Tangram/PCALIC reflects this in renewal discussions and coverage terms.
Testimonials
“Our Tangram/PCALIC contacts told us the Caring Data reports for our Oregon homes gave them exactly the level of detail they needed to distinguish risk between locations.”
“With standardized incident and claims data, we’ve been able to work with Tangram and PCALIC to fine-tune our coverage and focus safety initiatives on the Oregon homes and incident types that have the biggest impact on our residents.”
Key Contact
Tangram Insurance Services / PCALIC
Role: program manager and division (PCALIC) specializing in insurance and risk-management solutions for adult residential-care facilities, adult family homes, personal-care homes, assisted-living facilities, and non-medical home-care organizations, including in Oregon.
Websites:
Tangram Assisted Living and Personal Care program; PCALIC services and resources; PCALIC main site https://pcalic.com
Address (listing):
550 South Hope Street, Suite 800, Los Angeles, CA 90071
Phones (listing): 1-800-673-2558 / 18006732558
Email (listing): pcalic@tangramins.com
Contact (listing): Camie Poplawski
Final Thoughts
Oregon senior-care ecosystems benefit when specialized program managers like Tangram and its PCALIC division design coverage and risk-management specifically for adult residential-care and assisted-living homes, not as an afterthought to standard commercial business. Caring Data strengthens this focus by providing structured incident and claims information that supports precise underwriting and targeted safety efforts in Oregon homes.
CNA – Insurance for Healthcare Organizations – Oregon