物业经理保险

管理你的财产. 我们会办理保险的.

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Property manager insurance in the middle Tennessee area, 包括纳什维尔, TN及周边县.

If you manage residential or commercial properties, you face a diverse set of risks and potential losses. From liability issues to damage protection, we’ll help you navigate the world of property manager insurance and design coverage that’s a perfect fit.

To protect against all the risks you face in property management, you’ll need an insurance policy with several key components. The biggest are general liability, errors & 遗漏 and tenant discrimination.

General liability is the element that virtually all businesses need to consider. It covers you against the costs of injuries and 财产损失 that other people suffer on your property and for which you are held liable. Look for policies that cover your legal costs as well as damages.

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物业经理
错误 and Omissions Insurance (E&O)
风险因素

Property management firms have many exposures that can lead to a lawsuit. 与董事会打交道, 主人, 居民, 员工, 供应商, and regulatory authorities can and often does lead to lawsuits.

解决方案

错误 and 遗漏 liability insurance protects property management firms if a client alleges that you were professionally negligent or failed to perform professional duties.

商业财产保险
风险因素

Property management firms may face serious financial consequences from property loss by fire, 风或其他原因.

解决方案

A business 主人 policy (BOP) or package policy providing commercial property insurance will provide coverage for damage to a building you own, along with coverage for personal property and income lost due to a covered cause of loss.

一般责任
风险因素

Property management firms can be sued for injuries or 财产损失 at their office and sometimes at the properties they manage.

解决方案

General liability insurance is an absolute necessity for any property management firm. It provides coverage for legal fees and judgments when the firm is named in a covered lawsuit for bodily injury, 财产损失, 相关的医疗费用, 和更多的.

罪案及诚信报道
风险因素

As a property management firm, you have access to your clients’ money. Illegal activity such as forgery or theft can occur.

解决方案

Crime and fidelity coverage is designed to provide coverage for theft of not only money and personal property owned by the firm, but money that the firm has in their custody for their clients.

网络责任保险
风险因素

Property management firms have exposures including the need for protection of privacy, data and financial information for their clients. Breach of data can result in costly fees and lawsuits for the association if held liable.

解决方案

Cyber liability coverage covers fees and lawsuits resulting from the breach of personal data in the event your firm is liable.

Hired and Non-Owned Auto Liability Insurance
风险因素

Property managers must drive to the sites they manage regularly. 事故可能发生,也确实发生了. If an employee were to get into an auto accident while working, the management firm could be named in a suit by the injured party.

解决方案

If any automobiles are owned by the property management firm, a commercial auto insurance policy should be obtained. 除了, hired and non-owned auto liability should be maintained in any case to provide coverage in the event an employee gets into an accident while using their own car.

错误 & 遗漏, also called professional liability, is not so much about the property itself, but rather the decisions and actions you take as property managers. Some examples include disputes over whether you followed eviction procedures correctly, and cases where you mistakenly hire contractors who aren’t adequately licensed.

Tenant discrimination covers you against claims that you acted unlawfully in deciding to whom to rent property, how much you charge and what conditions you specified. This can be a legal minefield, so knowing you’re covered against such claims can be a major relief.

For insurance policies that cover these and other risks of property managers, contact us today.

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