Tangram / PCALIC – Program Manager Supporting Adult Residential and Assisted-Living Care
Supporting Senior-Care Ecosystems Through Dedicated Residential-Care Facility Insurance Programs
Tangram Insurance Services is one of the largest independent managing general underwriters and program managers in the U.S., operating multiple niche programs including personal care and assisted living. Through its acquisition of the Personal Care & Assisted Living Insurance Center (PCALIC), Tangram now runs a dedicated residential-care facility insurance program built for brokers who need specialized underwriting and reliable capacity for adult residential care facilities. PCALIC operates as a division of Tangram and has long provided insurance and risk-management services for adult residential and assisted-living care providers.
Who Is Tangram / PCALIC in Senior-Care Risk?
Tangram’s Assisted Living and Personal Care program focuses on residential-care facilities such as adult family homes, personal care homes, assisted-living residences, and similar settings serving seniors and other vulnerable adults. The program provides professional and general liability, property, and related coverages, alongside risk-management services designed around the specific operations of adult residential care homes.
PCALIC, now a Tangram division, specializes in the adult-care industry and understands day-to-day operations and regulatory demands facing these facilities. Tangram’s role is to provide underwriting, program administration, and capacity, while PCALIC brings long-standing senior-care specialization, giving brokers a single destination for adult residential-care facility insurance needs.
Why Senior-Care Ecosystems Need Tangram / PCALIC
Senior-care ecosystems rely on Tangram and PCALIC when:
- Adult residential care homes and assisted-living facilities require specialized liability and property coverage tailored to their environment.
- Brokers want a dedicated residential-care facility program with experienced underwriting and reliable capacity.
- Small and mid-sized senior-care providers need practical risk-management support grounded in adult-care operations.
Standardized incident and claims data—covering resident falls, medication-administration issues, behavioral incidents, elopements, abuse/neglect allegations, pressure injuries, and premises-liability events—help Tangram and PCALIC differentiate risk among facilities and refine program pricing and terms. When facilities capture this data in structured, consistent formats and share de-identified aggregates, Tangram can better match coverage, deductibles, and risk-control resources to real-world exposure patterns.
Case Study
A regional network operates several adult residential care homes and assisted-living facilities, each serving seniors with varying physical and cognitive needs. Coverage for professional and general liability, property, and abuse is placed via Tangram’s Assisted Living and Personal Care program, administered through PCALIC. To support renewal and growth, Tangram asks the broker and network to improve incident-data quality and structure.
The network deploys Caring Data across all homes to standardize reporting for falls, medication variances, behavioral incidents, elopements, abuse/neglect allegations, and property events. Staff use consistent incident types, severity scorings, and contextual details such as time of day, staffing, and location. De-identified aggregate data is shared with Tangram’s underwriting and PCALIC’s risk-management teams.
Using these structured datasets, Tangram identifies variation in fall rates and medication-error patterns between homes, flags units with elevated behavioral incidents, and collaborates with the operator to target interventions such as fall-prevention training, medication-management improvements, environmental modifications, and staffing adjustments. The carrier aligns deductibles and limits with each facility’s risk profile and observed improvement, while the network reduces claim frequency and severity and improves quality-of-care indicators.
Testimonials
“Our Tangram and PCALIC contacts told us the Caring Data reports gave them the insight they needed to see how risk differed across our personal care and assisted-living homes.”
“With standardized incident and claims data, we’ve been able to work with Tangram to fine-tune our coverage structures and focus risk-management on the incident types that matter most for our residents.”
Key Contact
Tangram Insurance Services (PCALIC Program)
Role: managing general underwriter and program manager providing dedicated residential-care facility insurance for personal care and assisted-living providers through the PCALIC program.
Website:
https://pcalic.com
Address (listing):
550 South Hope Street, Suite 800, Los Angeles, CA 90071
Phone (listing): 1-800-673-2558 / 18006732558
Email (listing): pcalic@tangramins.com
Contact (listing): Camie Poplawski
Final Thoughts
Senior-care ecosystems benefit when program managers like Tangram integrate deep adult-care expertise through platforms such as PCALIC. Tangram’s Assisted Living and Personal Care program supports personal care homes and assisted-living communities with specialized coverage and risk-management tools that reflect their daily realities. Caring Data magnifies this impact by delivering structured incident and claims information that underpins accurate underwriting and targeted safety initiatives across adult residential care facilities.