Tangram / PCALIC – Program Manager and Direct Carrier Supporting Adult Residential-Care Facilities in Oklahoma
Supporting Oklahoma Senior-Care Ecosystems Through Dedicated Assisted-Living and Personal-Care Insurance
Tangram Insurance Services is a major independent managing general underwriter and program manager that acquired the Personal Care & Assisted Living Insurance Center (PCALIC), a long-time specialist in adult residential-care facility insurance. PCALIC, now a division of Tangram, focuses on affordable insurance and easy-to-implement risk-management solutions for adult residential-care facilities, adult family homes, personal-care homes, and assisted-living facilities across the country, including Oklahoma. Together, Tangram and PCALIC act as both program manager and direct carrier for this niche, giving Oklahoma providers a highly specialized market.
Who is Tangram / PCALIC in Oklahoma Senior-Care Risk?
PCALIC’s services describe tailored insurance solutions for adult residential-care facilities and non-medical home-care organizations. Tangram’s program materials for “Assisted Living and Personal Care” highlight a dedicated residential-care facility insurance program built for brokers who need specialized underwriting and reliable capacity, including coverages such as professional liability and commercial property. PCALIC is listed as a direct carrier providing general liability, cyber, homeowners, and workers’ compensation specific to adult family homes (AFH) and residential-care facilities for the elderly (RCFEs), which aligns closely with small assisted-living and personal-care settings in states like Oklahoma.
In Oklahoma, this means small and mid-sized assisted-living communities, adult family homes, and personal-care homes can access insurance specifically built for adult residential-care operations rather than being forced into generic commercial packages.
Why Oklahoma Senior-Care Ecosystems Need Tangram / PCALIC
Oklahoma senior-care ecosystems rely on Tangram and PCALIC when:
- Adult residential-care and assisted-living facilities in Oklahoma need general and professional liability, property, cyber, and workers’ compensation built around their unique operations.
- Operators want a direct carrier/program that understands adult-care daily operations and offers easy-to-use risk-management tools.
- Brokers look for an established MGUs/program manager with dominant social-service and non-profit experience to place Oklahoma residential-care risks.
Standardized incident and claims data—covering resident falls, medication incidents, behavioral events, elopements, abuse/neglect allegations, and premises-liability claims—help Tangram/PCALIC understand risk differences among Oklahoma homes and across their national book. When Oklahoma providers capture this information with structured categories and share de-identified aggregates, Tangram and PCALIC can refine pricing, limits, and risk-management support tailored to Oklahoma’s regulatory and operational environment.
Case Study (Oklahoma Focus)
An Oklahoma-based operator runs several small assisted-living and personal-care homes serving older adults with varying needs. Coverage is placed through PCALIC, a division of Tangram, including general and professional liability, property, and cyber tailored to adult residential-care facilities. Tangram and PCALIC ask the operator to standardize incident and claims data for all Oklahoma homes to better target risk-management resources.
The operator implements Caring Data to record incidents such as resident falls, medication errors, aggressive-behavior events, elopements, abuse/neglect allegations, and property hazards, using consistent incident types, severity levels, unit identifiers, and contributing factors. De-identified aggregate data for the Oklahoma portfolio is shared with Tangram/PCALIC’s underwriting and risk-management team. Using these structured datasets, Tangram identifies homes with higher fall or behavioral-incident rates and collaborates with the operator to introduce focused interventions—like staff-training modules, environmental modifications, and medication-management improvements—while aligning deductibles and limits with each home’s performance.
Testimonials
“Our Tangram/PCALIC contacts told us the Caring Data reports for our Oklahoma homes gave them a clear view of which locations needed the most risk-management support.”
“With standardized incident and claims data, we’ve been able to work with PCALIC to fine-tune our coverage and direct safety initiatives to the specific Oklahoma homes and incident types that matter most to our residents.”
Key Contact
Tangram Insurance Services / PCALIC
Role: managing general underwriter and direct carrier (via PCALIC) providing specialty insurance for adult residential-care and assisted-living facilities, including Oklahoma operations.
Websites:
https://pcalic.com and Tangram program page https://tangramins.com/programs/personal-care-and-assisted-living/
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
Oklahoma senior-care ecosystems benefit when niche specialists like Tangram and PCALIC design insurance specifically for adult residential-care and assisted-living providers instead of treating them as generic commercial risks. Caring Data makes this partnership more effective by providing structured incident and claims information that supports precise underwriting and targeted risk-management in Oklahoma homes.