General Liability (GL)
Tenant, visitor, and vendor injury claims at managed properties. The most common GL trigger for residential PMs is a slip-and-fall.
Read the General Liability guideWhat Residential Property Management insurance covers
The full residential pm insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 8
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most operations
Professional Liability / Errors and Omissions (E&O)
Negligent management, screening errors, and lease administration claims. Tenant discrimination often needs a separate endorsement.
Read the Professional Liability guideWorkers Compensation
Medical expenses and lost wages for injured employees, rated by NCCI class code. Required in nearly every state with employees.
Read the Workers Compensation guideRecommended
Common across most operations
Fidelity Bond / Crime / Employee Dishonesty
Your firm handles tenant deposits and rent in volume. A fidelity bond reimburses losses from employee theft, embezzlement, and fraud.
Read the Crime & Fidelity guideCommercial Auto
Inspection and maintenance vehicles titled to the business. Personal auto does not cover company-owned vehicles.
Read the Commercial Auto guideUmbrella / Excess Liability
Extra limits above GL, auto, and employers liability. Recommended once your portfolio reaches a size where a single premises verdict could exhaust primary limits.
Read the Umbrella Insurance guideSituational
Depends on your specific operation
Cyber Liability
Online tenant portals and payment processing create breach exposure. All 50 states have notification laws that apply to companies holding tenant PII.
Read the Cyber Liability guideHired and Non-Owned Auto (HNOA)
Staff using personal vehicles for property visits create a liability gap that HNOA closes.
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.
Get a quoteWe will build the program around your operation.
Focus on the work.
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Get a free coverage review and risk plan. If your current program is solid, we'll tell you. Either way, you walk away with a free expert opinion.
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