General Liability
Required by virtually every management agreement.
Read the General Liability guideWhat Commercial Property Management insurance covers
The full commercial pm insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most commercial PM operations
Professional Liability / E&O
CAM disputes and lease errors generate the most claims in commercial PM. Non-negotiable from day one.
Read the Professional Liability guideWorkers Compensation
Mandatory in most states once you have maintenance or janitorial staff on payroll.
Read the Workers Compensation guideRecommended
Standard for most commercial portfolios
Umbrella / Excess Liability
Institutional owners and REITs routinely require umbrella limits above standard GL thresholds as a management agreement condition.
Read the Umbrella Insurance guideFidelity Bond / Crime
Operating fund custody creates theft exposure that grows with portfolio size. Most institutional contracts set a minimum bond amount.
Read the Crime & Fidelity guideCommercial Auto
Standard once staff travel between managed buildings for inspections and maintenance.
Read the Commercial Auto guideSituational
Depends on building age, portfolio type, and data exposure
Environmental / Pollution Liability
Pre-1980 buildings or properties with known contaminants. GL's pollution exclusion leaves no fallback when it applies.
Read the Pollution Liability guideCyber Liability
Relevant once tenant data, building automation, or payment systems create a breach notification obligation.
Read the Cyber Liability guideCommercial Property
Your own office and equipment. The buildings you manage are insured by their owners.
Read the Commercial Property guideGo deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
Focus on the work.
We'll be your risk team.
Send us your policy and a licensed advisor benchmarks your commercial PM insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
Your quote
AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}&ref=ai. A Coverwatch advisor will be in touch within the next hour.