Property Management Insurance for Commercial Managers

We write management companies and owner-managers of office, retail, and light industrial buildings. We do not treat habitational apartment management as the same class. If your book is commercial, this is the page; if it is garden apartments, say so and we will tell you whether we have a market.

General liability should contemplate both your office and the sites you manage, with additional-insured status flowing to owners as the management agreement requires. Vendor risk transfer — janitorial, security, landscaping, snow — is how managers keep other people's claims off the owner's policy. We help you set certificate standards that a real vendor can meet.

Professional liability for property managers is the E&O claim: a lease admin error, a missed statutory notice, a vendor selection an owner later calls negligent. It is not the same as the owner's premises GL. Employment-practices liability, including third-party, belongs on managers who employ site staff or who interact with tenants and the public all day.

Cyber is no longer optional. You hold tenant contacts, owner banking instructions, and access-control data. A spoofed wiring instruction on a capital call is a crime-and-cyber fact pattern we see on applications now, not a hypothetical.

In every metro we serve — Seattle, Portland, Boise, Las Vegas, Houston, Dallas, Philadelphia, Indianapolis — the local ordinance and the lease form change the certificate traffic. We issue owner and lender certificates as part of the service, not as a favor.

Risks we actually schedule

• Premises claims at managed sites where the additional-insured and contract wording were sloppy.
• Professional errors in leasing, notices, or vendor selection.
• Employment and third-party harassment or discrimination claims involving site staff or tenants.
• Social-engineering on owner or tenant funds, plus a breach of tenant data.
• Uninsured vendors (janitorial, snow, security) whose claims land on the manager.