Modern apartment complex with professional management

Property Manager / Landlord Insurance

Comprehensive protection for property managers and landlords. From tenant injuries to property damage, we cover the unique risks of managing rental properties.

Get Your Free Property Manager Quote 1-800-252-6885

Coverage Types for Property Managers

Build a comprehensive insurance package that protects every aspect of your business.

Landlord Property Insurance

Covers rental buildings, units, and contents against fire, theft, storms, and tenant damage.

General Liability

Covers bodily injury and property damage claims occurring on rental properties.

Umbrella Liability

Additional liability protection for large portfolios of rental properties.

Workers Compensation

Required for property management companies with employees. Covers maintenance staff and property managers.

Employment Practices Liability

Covers claims of discrimination, harassment, and wrongful termination.

Loss of Rental Income

Covers lost rental income when properties are damaged and cannot be rented.

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Common Property Manager Risks

Understanding these risks helps you choose the right coverage.

Tenant slip and fall injuries in common areas

Elevator and stair accidents in multi-unit buildings

Fire damage from tenant cooking accidents or electrical issues

Hurricane and storm damage common to North Florida

Water damage from burst pipes or leaking roofs

Tenant damage beyond security deposit

Employment discrimination claims from staff

Lead paint liability in older properties

Why Choose Greene & Associates?

E&O Protection

Errors & omissions coverage for mistakes in tenant screening, lease management, and property operations.

Multi-Location

Blanket policies across all managed properties with portfolio pricing that grows with your business.

Tenant Dispute Coverage

Legal defense coverage for wrongful eviction claims and tenant disputes that come with the territory.

Frequently Asked Questions

What insurance does a property manager need in Florida?

Property managers need general liability, workers compensation (if they have employees), and professional liability (errors & omissions) coverage. If you also own rental properties, you'll need landlord insurance for those properties.

Does landlord insurance cover tenant damage?

Standard landlord insurance covers damage from fire, storms, and theft. However, normal wear and tear or damage caused by tenants beyond the security deposit is typically not covered. Consider requiring tenants to carry renters insurance for their personal property and liability.

How much does property manager insurance cost?

Costs vary based on the number of properties managed, number of employees, and coverage needs. Most property management companies pay $2,000-6,000/year for comprehensive coverage. Additional landlord insurance for owned properties is separate.

Do property managers need E&O insurance?

Yes, errors and omissions (E&O) insurance is important for property managers. It protects against claims that you made a mistake in your professional services, such as failing to properly maintain a property or not disclosing known issues.