Property management business insurance
Look at coverage for the company behind the properties
You look after the properties; your own company needs an insurance review too. For property management business insurance, bring your current policy, management agreements and questions about the services your team provides.
What it usually covers
- Business liability. General liability addresses covered injury and property-damage claims arising from the company's premises or operations.
- Professional services. Errors and omissions coverage addresses certain claims alleging negligence, mistakes or omissions in management services.
- Office contents. Property coverage protects insured business furniture, computers and other equipment after covered loss.
- Business income and extra expense. Coverage can help with income lost and certain added operating costs after insured physical damage interrupts the business.
Who it is for
For a management company reviewing its own insurance, whether it manages residential properties, commercial space or associations. Tell us which services you perform and which you arrange through others. Professional-liability coverage needs to match the services being insured.
Use this page to start with your company's work. Keep the buildings you manage in a separate list so the conversation stays clear about who owns what and which policy you want reviewed.
Looking for an owner's building coverage instead? See Apartment buildings, HOA and condo associations, Mixed-use buildings or Office and retail buildings.
As part of every quote, we review the current policy and coverage documents you provide.
What to have ready
Use these prompts to describe the company before discussing coverage:
- Your current business policies and any professional-liability policy.
- A plain-language list of management, leasing and maintenance services.
- The types and number of properties or units you manage.
- Sample management agreements and their insurance requirements.
- Your office location, equipment, revenue and payroll estimates.
- Available claims history and details of any known dispute to discuss privately.
Common questions
Is general liability the same as professional liability? (show answer)
Does a BOP include professional liability? (show answer)
What about employees and company vehicles? (show answer)
What should I explain about my services? (show answer)
Start with what your management company does
Share your services and existing policies so we can begin with your company's coverage questions.
We review your request and contact you.
Sources (2)
- Commercial Insurance Guide - California Department of Insurance. Accessed Nov 1, 2026.
- Do I need professional liability insurance? - Triple-I. Accessed Nov 1, 2026.