Tangram / PCALIC – Specialty Liability and Workers’ Comp for Assisted-Living and Companion-Care Providers in Tennessee
Supporting Tennessee Senior-Care Ecosystems Through Dedicated Adult-Care and Companion-Care Insurance Programs
Tangram Insurance Services is the program manager behind the Personal Care & Assisted Living Insurance Center (PCALIC), a proprietary insurance program built specifically for assisted-living and companion-care facilities. PCALIC offers affordable, specialized general- and professional-liability coverage designed exclusively for assisted-living and companion-care facilities, plus a workers’-comp program chosen by more than 4,000 assisted-living providers. For Tennessee, Tangram/PCALIC provides focused liability and workers’-comp solutions for adult-care homes, personal-care homes, and small assisted-living operations.
Who is Tangram / PCALIC in Tennessee Senior-Care Risk?
PCALIC’s general- and professional-liability page describes its coverage as “affordable, specialized liability coverage designed exclusively for assisted living and companion care facilities.” It targets personal-care homes, adult-care homes, adult-family homes, and adult-foster homes, which often fall between home-care and full nursing-home care. PCALIC’s workers’-compensation page notes that “over 4,000 assisted living providers of all sizes have chosen PCALIC because of our proprietary insurance program created for assisted living and companion care facilities” and encourages providers to call 800-673-2558 for quotes.
Tangram’s own program page, “Assisted Living and Personal Care,” calls it “a dedicated residential care facility insurance program built for brokers who need specialized underwriting and reliable capacity,” emphasizing residential-care facilities catering to older adults. Together, Tangram and PCALIC deliver tailored packages for Tennessee adult-care homes and assisted-living providers that may not fit standard LTC carrier programs.
Why Tennessee Senior-Care Ecosystems Need Tangram / PCALIC
Tennessee senior-care ecosystems rely on Tangram/PCALIC when:
- Small, closely held personal-care and assisted-living homes need GL/PL specifically designed for their care model rather than generic nursing-home forms.
- Operators want workers’-comp coverage aligned with caregiver tasks and injury patterns in adult-care settings.
- Brokers need specialized underwriting and capacity for residential-care facilities that combine housing, personal-care, and companionship.
Tangram/PCALIC’s underwriting and risk-management depend on detailed incident and claims data—resident falls, medication errors, wandering/elopement, behavioral incidents, abuse/neglect allegations, and staff injuries. When Tennessee adult-care homes and assisted-living providers implement structured incident tracking and share de-identified, state-tagged aggregates with PCALIC at pcalic@tangramins.com and Tangram underwriting, they help tailor limits, deductibles, and workers’-comp programs to Tennessee risk patterns.
Case Study (Tennessee Focus)
A family-owned personal-care home in Tennessee insures GL/PL and workers’ comp through Tangram/PCALIC. After a year with several low-severity falls and a back-injury claim from a caregiver, the broker and underwriter ask for more granular incident information.
The home deploys a standardized incident-logging process that categorizes events by type (fall, medication, behavior, abuse allegation, staff injury), severity, location, and root cause. Over 12 months, the operator sends de-identified Tennessee summaries to pcalic@tangramins.com along with renewal materials. Tangram/PCALIC uses this structured data to identify high-risk transfer routines, suggest lift-assist devices and staff-training modules, and maintain competitive pricing while adjusting deductibles to reflect the Tennessee home’s actual risk profile.
Testimonials
“Our Tangram/PCALIC underwriter said the structured Tennessee incident data helped them see exactly where our falls and staff injuries were happening and how we were fixing them.”
“With standardized incident and claims data, we’ve been able to work with Tangram Insurance Services and PCALIC to refine coverage and direct safety investments to our Tennessee residents’ daily routines.”
Key Contact
Tangram Insurance Services / PCALIC – Tennessee
Role: program manager and specialty administrator providing proprietary GL/PL and workers’-comp coverage built specifically for assisted-living and companion-care/personal-care facilities serving Tennessee seniors.
Key references:
- PCALIC General & Professional Liability (assisted-living and companion-care focus)
- PCALIC Workers’ Compensation (4,000+ assisted-living providers; 800-673-2558 quote line)
- Tangram Assisted Living and Personal Care program overview (specialized underwriting and capacity)
- Main program site: https://pcalic.com
- Tangram program page: https://tangramins.com/programs/personal-care-and-assisted-living/
Address (listing):
550 South Hope Street, Suite 800, Los Angeles, CA 90071
- Phone (listing): 1-800-673-2558 (also reflected as 18006732558)
- Email (listing): pcalic@tangramins.com
- Contact (listing): Camie Poplawski
Final Thoughts
Tennessee senior-care ecosystems benefit when program managers like Tangram/PCALIC deliver adult-care-specific liability and workers’-comp solutions backed by specialized underwriting and risk-management. Structured incident data makes those solutions better aligned with Tennessee providers’ real-world exposures.