Tangram / PCALIC – Program for Adult Residential and Assisted-Living Care Homes Serving South Carolina
Supporting South Carolina Senior-Care Ecosystems Through Adult-Care-Focused Liability Coverage
Tangram Insurance Services is a national managing general underwriter and program manager; through the Personal Care & Assisted Living Insurance Center (PCALIC), it provides specialized insurance designed for adult residential care facilities across the U.S. PCALIC, a division of Tangram, has been a trusted partner to adult residential care facilities for over 14 years, with more than 4,000 facilities relying on its expertise and service. For South Carolina, this makes Tangram/PCALIC a primary program for small, closely held adult-care and assisted-living homes.
Who is Tangram / PCALIC in South Carolina Senior-Care Risk?
Tangram’s Personal Care and Assisted Living program “provides insurance designed to meet the needs of adult residential care facilities,” delivered via PCALIC. PCALIC focuses on adult-care homes and assisted-living operations, combining affordable insurance solutions with easy-to-implement risk-management tools. Its “Partnering Insurance with Care” overview emphasizes that for over 14 years, PCALIC has specialized in adult residential care, allowing operators to focus on residents while PCALIC delivers tailored protection.
In 2021, Tangram acquired PCALIC, bringing its specialty programs for adult residential care facilities, nonprofits, and animal-welfare organizations into Tangram’s national platform, expanding capabilities and footprint. For South Carolina adult-care providers, this translates into a stable program with dedicated underwriting, claims, and risk-management support.
Why South Carolina Senior-Care Ecosystems Need Tangram / PCALIC
South Carolina senior-care ecosystems rely on Tangram/PCALIC when:
- Adult-family homes, adult-foster homes, personal-care homes, and small assisted-living facilities need coverage designed specifically for adult residential care.
- Owners want combined general and professional-liability protection plus abuse coverage and risk-management tools that reflect day-to-day adult-care operations.
- Operators value a program manager that understands staffing, supervision, and regulatory realities in small residential settings.
PCALIC provides tools to help facilities reduce losses, in addition to core insurance protection, and encourages direct contact for quotes and support via 800-673-2558 and pcalic@tangramins.com. Standardized incident and claims data—capturing falls, medication errors, behavioral incidents, abuse/neglect allegations, and property damage—help Tangram/PCALIC understand the specific loss patterns of South Carolina homes and align pricing and risk-control resources accordingly. When South Carolina facilities use Caring Data and share de-identified, state-tagged summaries with Tangram at pcalic@tangramins.com, underwriters can reward documented improvements and pinpoint where additional support is needed.
Case Study (South Carolina Focus)
A family-owned adult-care home in South Carolina insures through Tangram’s PCALIC program, carrying combined GL/PL coverage. After a series of low-severity falls and a medication-timing complaint, the owner wants to avoid future claims but lacks structured incident data.
Guided by PCALIC and their agent, the home implements Caring Data to capture incidents across its South Carolina operation—falls, medication events, behavioral episodes, abuse/neglect concerns, and property issues—with standardized categories, severity scores, and root-cause tags. De-identified South Carolina summaries are sent to Tangram via pcalic@tangramins.com at mid-term and renewal. Tangram/PCALIC uses this structured view to identify patterns (falls during night shifts, medication issues linked to specific workflows), recommend targeted supervision and medication-management changes, and maintain favorable terms that reflect real risk improvements at the South Carolina home.
Testimonials
“Our Tangram/PCALIC underwriter told us the Caring Data summaries for our South Carolina adult-care home provided exactly the visibility they needed into falls and medication issues.”
“With standardized incident and claims data, we’ve been able to work with Tangram Insurance Services to fine-tune our coverage and focus our safety improvements on the South Carolina routines that matter most to residents.”
Key Contact
Tangram Insurance Services / PCALIC – South Carolina
Role: national MGU/program manager, through PCALIC, providing specialized liability insurance and risk-management tools for adult residential care and assisted-living homes serving South Carolina.
Key pages:
- Tangram Personal Care & Assisted Living program overview
- PCALIC “Partnering Insurance with Care” about page
- PCALIC partnership profile and contact info (adult residential care focus)
Websites:
https://pcalic.com (division site); Tangram program page
Address (listing):
550 South Hope Street, Suite 800, Los Angeles, CA 90071
- Phone (listing): 1-800-673-2558
- Email (listing): pcalic@tangramins.com
- Contact (listing): Camie Poplawski
Final Thoughts
South Carolina senior-care ecosystems benefit when program managers like Tangram/PCALIC offer adult-care-specific coverage, backed by tools designed for the realities of small residential care homes. Caring Data gives Tangram and South Carolina providers a common, structured language for understanding and reducing incidents.
CNA – Aging Services & Long-Term-Care – South Carolina