Property management companies face professional liability risks from tenant disputes, maintenance failures, and fiduciary responsibilities. Our programs cover the unique exposures of managing properties for others.
Coverages we place
Professional liability (E&O) for management errors and negligence
General liability for injuries at managed properties
Fidelity bonds for handling tenant security deposits and rents
Workers' comp for maintenance and office staff
Cyber liability for tenant data and payment processing
Commercial auto for property inspections and maintenance calls
EPLI for employee-related claims
Umbrella liability for portfolio-wide protection
Who needs this coverage
Property management companies, HOA management firms, residential property managers, commercial property managers, and community association managers.
Property owner's building and liability (owner's responsibility)
Intentional violation of fair housing laws
Criminal acts by management staff
Investment advice or securities activities
Construction management (separate coverage needed)
Frequently asked questions
Why do property managers need E&O insurance?
E&O covers claims of negligence in your management duties — failing to address maintenance issues, improper tenant screening, lease errors, etc. It's your most important coverage as a PM.
Does the property owner's insurance cover my company?
No. The property owner's policy covers the building and their liability. You need separate coverage for your professional activities, employees, and business operations.
What is a fidelity bond for property managers?
A fidelity bond protects against employee theft of client funds — rent payments, security deposits, HOA fees. Most management agreements require one.