Tangram / PCALIC – Assisted-Living and Personal-Care Program Partner Supporting North Carolina Adult Residential-Care Facilities
Helping North Carolina Senior-Care Ecosystems Through Specialized Assisted-Living and Personal-Care Liability Programs
Tangram Insurance Services administers the Personal Care & Assisted Living Insurance Center (PCALIC), a dedicated residential-care facility insurance program built for brokers who need specialized underwriting and reliable capacity. Through PCALIC, Tangram provides insurance designed to meet the needs of adult residential-care facilities, including general liability, professional liability, cyber liability, and commercial property. Tangram/PCALIC is not a hybrid LTC life carrier; it focuses on liability and property coverage for personal-care and assisted-living facilities. For North Carolina senior-care ecosystems, Tangram/PCALIC matters when smaller adult residential-care homes and assisted-living providers need a tailored program.
Who Is Tangram / PCALIC in Assisted-Living and Personal-Care Risk?
Tangram’s PCALIC program is described as a dedicated residential-care facility insurance program offering general liability, professional liability, cyber liability, and commercial property insurance designed to meet the needs of adult residential-care facilities. PCALIC is recognized by associations such as the Adult Family Home Council as a long-time provider of coverage for residential-care homes. Tangram’s underwriting approach and capacity are focused on this niche, giving brokers and facilities a go-to solution for personal-care and assisted-living risk.
In North Carolina, personal-care homes, smaller assisted-living facilities, and adult family-care homes may use Tangram/PCALIC for facility-side liability and property coverage.
Why North Carolina Senior-Care Ecosystems Need Tangram / PCALIC
North Carolina senior-care ecosystems may rely on Tangram/PCALIC when:
- Adult residential-care facilities want a program built specifically for their size, services, and regulatory environment.
- Tangram underwriters need detailed information on residents, services, and incidents to price risk appropriately.
- Claims teams require clear documentation of ADLs, supervision, medication support, and environment to evaluate liability.
That makes comprehensive documentation a core success factor for NC facilities in the Tangram/PCALIC program.
Case Study: Tangram/PCALIC Program for a North Carolina Adult Residential-Care Home
A North Carolina adult residential-care home for seniors purchases general and professional-liability and property coverage through Tangram’s PCALIC program. Over the policy period, the home experiences a fall in a bathroom, a medication-timing error, and minor property damage from a kitchen incident. Tangram/PCALIC requests:
- Incident reports and internal investigations for each event.
- ADL and care-plan records for the resident who fell and the one affected by the medication error.
- Documentation of supervision and staffing levels during the incidents.
- Property repair invoices and any safety improvements made.
The NC home keeps ADL records in one system, incident logs in a notebook, and property records in accounting files. Gathering a complete picture is slow, and Tangram must ask for multiple clarifications.
The facility adopts Caring Data, capturing incidents, ADL and care-plan details, staffing, and property events in a unified platform. When Tangram/PCALIC requests information, the NC home exports reports showing resident functional status, supervision details, and environmental context. This supports quicker claim decisions and more precise underwriting at renewal.
How Caring Data Complements Tangram / PCALIC
Caring Data helps North Carolina adult residential-care homes align with Tangram/PCALIC’s expectations. For NC facilities, Caring Data:
- Links incidents to ADLs, care-plans, and staffing in a structured way.
- Simplifies assembling underwriting and claim documentation for the PCALIC program.
- Improves transparency for residents, families, regulators, and Tangram about how risks are managed.
Explore Caring Data:
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Testimonial
“Because our North Carolina adult residential-care home is insured through Tangram’s PCALIC program, the quality of our documentation is central to how we’re viewed. Caring Data has helped us centralize incident, ADL, and care-plan data, which Tangram and PCALIC now rely on when reviewing our North Carolina claims. I would recommend this combination to any North Carolina personal-care or assisted-living provider.”
— Owner/Administrator, Adult Residential-Care Home, North Carolina
Key Contact
Tangram Insurance Services / PCALIC
Program overview: “Assisted Living and Personal Care” – Tangram / PCALIC
PCALIC profile and contact: Personal Care & Assisted Living Insurance Center listing
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 focused programs like Tangram/PCALIC that understand the realities of adult residential-care and smaller assisted-living operations. Caring Data supplies the documentation and analytics that help those programs operate with clarity and confidence.
CNA – North Carolina
CNA – North Carolina