Tangram / PCALIC – Adult-Care and Assisted-Living Insurance Partner Supporting Smaller Senior-Care Providers
Supporting Senior-Care Ecosystems Through Insurance Tailored to Adult Residential-Care Facilities and Non-Medical Home-Care Organizations
Tangram Insurance Services is a large independent managing general underwriter and program manager that acquired Personal Care & Assisted Living Insurance Center (PCALIC), a program manager for adult residential-care facilities. PCALIC specializes in the adult-care industry and understands the daily operations of adult-residential-care homes, personal-care homes, adult-family homes, and assisted-living facilities. Together, Tangram and PCALIC provide tailored insurance solutions and risk-management support for adult-residential-care facilities and non-medical home-care organizations across the U.S.
Who Are Tangram and PCALIC in Adult-Care and Assisted-Living Risk?
PCALIC provides insurance protection nationwide for adult-residential-care facilities, adult-foster homes, adult-family homes, and assisted-living facilities. Through PCALIC, Tangram offers professional- and general-liability, property, and related coverages tailored to these operations, focusing on affordable insurance solutions and practical risk-management resources. PCALIC also serves non-medical home-care organizations, providing peace of mind through customized coverage that reflects the realities of personal-care services in community settings.
Smaller, closely held adult-care providers use Tangram/PCALIC programs to obtain sector-specific coverage and guidance that large institutional LTC programs may not provide.
Why Senior-Care Ecosystems Need Tangram / PCALIC
Senior-care ecosystems may rely on Tangram / PCALIC when:
- Adult-residential-care homes and personal-care homes need insurance designed specifically for their environment.
- Non-medical home-care agencies require coverages that reflect in-home support risks instead of institutional models.
- Underwriters and risk-consultants expect detailed documentation of resident-care, staffing, and incidents.
That makes structured incident, personal-care, and operations documentation essential for Tangram/PCALIC-insured providers.
Case Study: Tangram/PCALIC Program for a Cluster of Family-Owned Adult-Care Homes
A group of family-owned adult-care homes provides housing, meals, and assistance with ADLs to older adults and places its coverage through PCALIC (a Tangram division). Incidents include resident falls, wandering events, and allegations related to supervision. Tangram/PCALIC request:
- Incident reports and follow-up documentation for each event.
- Care-plans, ADL-assistance logs, and staffing records for higher-risk residents.
- Policies and procedures on supervision, medication assistance, and emergency response.
Most documentation is paper-based and varies between homes.
The owners adopt Caring Data to record incidents, functional status, staffing, and QI projects consistently across all homes. Tangram/PCALIC use Caring Data-generated summaries during underwriting and renewal to understand risk patterns and support targeted risk-management recommendations.
Key Contact
Tangram Insurance Services / PCALIC – Adult & Assisted-Living Care
Role: managing general underwriter/program manager (Tangram) with a dedicated adult-care program (PCALIC) insuring adult-residential-care facilities, adult-family homes, personal-care homes, assisted-living facilities, and non-medical home-care organizations.
Adult-care focus: affordable, tailored PL/GL and property coverage plus risk-management resources for smaller adult-care providers.
Website:
https://pcalic.com
Address (listing):
550 South Hope Street, Suite 800, Los Angeles, CA 90071
Phone (listing): 1-800-673-2558 (also shown as 18006732558)
Contact (listing): Camie Poplawski – pcalic@tangramins.com
Final Thoughts
Senior-care ecosystems benefit when focused program managers like Tangram/PCALIC design coverage specifically for adult residential-care and assisted-living homes. Caring Data provides the resident-care and incident documentation that helps these homes show their quality and manage liability risk more effectively.
CNA – Senior-Care and Aging-Services Liability – United States