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Illustrated open street with a tall apartment building with stacked balconies, a street tree and a purple cluster mailbox on one side, and a brick building with shopfront awnings and a white maintenance van on the other

Property manager insurance

take on
more doors.

Professional liability, general liability, comp and cyber for management companies growing their portfolio of owners, units and buildings.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day at
the property, covered.

A slip, a burst pipe, a stolen laptop. Tap around to see which policy steps in.

Illustrated cutaway of a small apartment building with a burst pipe spraying water in a top-floor unit, a spilled mop bucket on a wet floor and a broken window in the ground-floor leasing office, a fallen extension ladder beside a purple toolbox on the lawn, and a maintenance pickup backed into a parked car in the lot

professional liability

An owner says a leak was ignored

Claims a management call cost them money.

general liability

A visitor slips in the leasing office

Their injuries and their claim against you.

cyber

A break‑in exposes tenant files

Response costs when tenant data is exposed.

workers’ comp

A maintenance tech falls from a ladder

Medical bills and lost wages.

commercial auto

The maintenance truck backs into a car

Damage you cause on the road.

professional liability

An owner says a leak was ignored

Claims a management call cost them money.

Examples. Your policy sets the details.

the work changes
what we check.

Apartments, commercial tenants and buildings you own carry different risks. Pick yours.

Residential management

Leases, repairs and tenants.

Single-family, multifamily and association work. We read the management agreement and the owner’s insurance requirements first, then leasing, inspections, maintenance and vendor oversight.

we check first: The management agreement. Illustrated townhouse front door with a porch step, doormat, wall lantern and potted plant, and a purple key lockbox on the handle

property management businesses
usually carry.

Put them on one program and we shop them together at every renewal.

trouble at a property?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the property

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the owner’s details go to the carrier.

  3. 3. We push it through

    The owner’s questions, the repairs and your claim, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Northgate Property Co.

your options

$14,800a year, 5 policies

3 options, same coverage

Option A$14,800

Option B$16,300

Option C$18,100

12 staff3 trucksDenver, COClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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guides
property managers ask for.

The coverage behind the management company.

growing by
acquisition?

Buying another property management shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers for property management businesses.

What insurance does a property management business need?
Most property management companies carry professional liability, general liability, workers’ comp and cyber. Owners ask for evidence of insurance before management begins, often in the agreement itself, and state rules set when comp applies. Commercial auto, crime, employment practices and umbrella coverage can come up as the portfolio and the team grow.
Is the management company insured separately from the buildings?
Usually, yes. Your professional services, employees, vehicles, office, technology and contract obligations sit with the management company. The owner’s building, premises liability, rental income and ownership interests sit with the owner. We read the management agreements and the actual insurable interests so each risk lands on the right policy.
What does professional liability cover for a property manager?
Claims that a management error cost an owner money, like a leasing decision, a missed repair or a vendor choice an owner says lost them income. General liability is built for injuries and property damage, not advice and decisions. The policy wording and your management agreements decide where the line falls.
Do the vendors I hire need their own insurance?
Most management agreements and owners expect it. Vendors usually carry their own general liability and workers’ comp, and many owners want the manager and owner named as additional insured. Collecting current certificates before work starts, and reading them against the contract, keeps a vendor’s accident from landing on your policy.
What affects the price of property management insurance?
Mainly the size and type of your portfolio, the services you perform, leasing and maintenance responsibilities, ownership interests, revenue, payroll, vehicles, vendors, the data you hold and your claims history. We read the limits, deductibles and exclusions alongside the premium, so you compare what the price actually buys.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA