Copeland Insurance


Property manager insurance helps secure coverage for your property and liability.

Safeguard your investment and livelihood with property manager insurance.

Key components of property manager insurance.

To mitigate the diverse risks inherent in property management, it’s essential to secure an insurance policy that encompasses crucial coverage options:

– Commercial Auto Insurance
– Commercial Property Insurance
– Cyber Liability Insurance
– Errors and Omissions Insurance
– General Liability Insurance
– Tenant Discrimination Coverage

General liability coverage is essential for virtually all businesses as it protects against the financial consequences of injuries and property damage that occur on your premises and for which you are responsible. It is crucial to seek policies that include coverage for legal expenses and damages incurred.

Professional liability insurance, often referred to as errors and omissions liability insurance, focuses less on physical property and more on the decisions and actions taken by property managers. It covers situations such as disputes over eviction procedures and instances where contractors hired without proper licensing lead to liability issues. This insurance is essential for safeguarding your business against these specific types of risks.

Safeguard Your Tenants and Your Investment

Tenant discrimination coverage shields you from allegations of unlawful rental decisions, including tenant selection, pricing, and leasing terms. Navigating potential legal complexities becomes easier with this protection in place, ensuring peace of mind knowing your assets and livelihood are secure.

Interested in property manager insurance tailored to protect your investments? Contact us today to explore coverage options for your properties.

Commercial Property Insurance

Risk Factor

Property management firms may face serious financial consequences from property loss by fire, wind or other causes.


A business owners 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.

Hired and Non-Owned Auto Liability Insurance

Risk Factor

Property managers must drive to the sites they manage regularly. Accidents can and do happen. 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.


If any automobiles are owned by the property management firm, a commercial auto insurance policy should be obtained. In addition, 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.

Cyber Liability Insurance

Risk Factor

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.


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

General Liability

Risk Factor

Property management firms can be sued for injuries or property damage at their office and sometimes at the properties they manage.


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, property damage, associated medical costs, and more.

Crime and Fidelity Coverage

Risk Factor

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


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.

Errors and Omissions Insurance (E&O)

Risk Factor

Property management firms have many exposures that can lead to a lawsuit. Dealing with boards of directors, owners, residents, employees, vendors, and regulatory authorities can and often does lead to lawsuits.


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

Property manager insurance ensures comprehensive coverage for both your property and liability needs.

Find Your Coverage

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