Professional Liability
E&O coverage for tenant screening, lease, and maintenance mistakes.
Read the Professional Liability guideWhat property management insurance covers
The coverage a property management firm needs, from the policies your management agreements require to the ones that protect the funds you hold.
What insurance does a property management company need?
A property management firm typically carries Professional Liability for management errors, Crime and Fidelity to protect tenant and trust-account funds, General Liability for injuries at managed sites, and Cyber Liability for the tenant data you store. Larger portfolios add Umbrella, Workers Compensation, and auto coverage.
- Coverage lines
- 10
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
The policies almost every property management firm carries.
Crime & Fidelity
Protects the tenant funds and trust-account money you hold.
Read the Crime & Fidelity guideGeneral Liability
Covers injuries to tenants and visitors at managed properties.
Read the General Liability guideCyber Liability
Responds when tenant financial records and data are breached.
Read the Cyber Liability guideRecommended
Coverage most firms add as they grow their portfolio.
Workers Compensation
Covers injuries to maintenance crews, leasing agents, and office staff.
Read the Workers Compensation guideUmbrella / Excess
Extra limits when one claim exceeds your primary coverage.
Read the Umbrella Insurance guideEmployment Practices Liability
Covers wrongful termination, discrimination, and harassment claims from staff.
Read the Employment Practices Liability guideSituational
Add these when your operations call for them.
Commercial Auto
Covers company trucks and vans used for maintenance and inspections.
Read the Commercial Auto guideHired & Non-Owned Auto
Covers staff driving personal vehicles for showings and supply runs.
Read the Hired & Non-Owned Auto guideCommercial Property
Covers your office, tools, equipment, and management fee income.
Read the Commercial Property guideBy segment
How the stack shifts by property management type
Every property management carries the core lines. Which recommended and situational lines matter depends on the operation.
CoreRecommendedSituational
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