General Liability
Required by virtually every management agreement. Amenity properties with pools and fitness centers carry higher GL severity.
Read the General Liability guideWhat Multifamily Property Management insurance covers
The full multifamily 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 operations
Professional Liability / E&O
Fair housing exposure at high applicant volumes and lease administration across large unit counts make E&O non-negotiable from day one.
Read the Professional Liability guideWorkers Compensation
Mandatory in most states once you have maintenance or leasing staff on payroll. Classification accuracy between roles drives premium.
Read the Workers Compensation guideRecommended
Common across most multifamily operations
Fidelity Bond / Crime
Monthly rent collections create theft exposure that scales with portfolio size. Institutional owners often specify minimum bond amounts.
Read the Crime & Fidelity guideUmbrella / Excess Liability
A single pool drowning or class-action fair housing suit can exceed primary GL limits. Most institutional contracts set umbrella minimums.
Read the Umbrella Insurance guideCyber Liability
Relevant once tenant portals or online rent payment systems create a breach notification obligation across multiple states.
Read the Cyber Liability guideSituational
Depends on your portfolio and staff structure
Employment Practices Liability (EPLI)
Recommended once on-site headcount grows past a handful of employees. Higher turnover in maintenance roles increases claim frequency.
Read the Employment Practices Liability guideCommercial Auto
Standard once your operation uses company-titled vehicles for maintenance, inspections, or resident shuttle service.
Read the Commercial Auto guideHired and Non-Owned Auto
Staff using personal cars between properties create a liability gap. HNOA closes it without requiring a company fleet.
Read the Hired & Non-Owned Auto 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.
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