Common Risks for Property Owners

​

Owning property means facing exposures that can lead to costly claims. Some of the biggest risks include:

• Fire and water damage – from kitchen fires to burst pipes and sprinkler malfunctions

• Natural disasters – wind, hail, and storm damage depending on location

• Tenant and visitor injuries – slip-and-fall claims or accidents on your property

• Liability lawsuits – claims of negligence or unsafe conditions

• Loss of rental income – when units become uninhabitable after a covered loss

• Umbrella Liability – for additional layers of liability coverage of up to $20,000,000 or more in coverage

 

 

Coverage Options We Provide

Our policies are built to protect both your property and your bottom line. Coverage options include:

• Commercial Property Insurance – protection for buildings, contents, and improvements

• General Liability Insurance – coverage for bodily injury and property damage claims

• Business Income / Loss of Rents – replacement of lost rental income due to a covered claim

• Equipment Breakdown – protection for HVAC, elevators, and critical building systems

• Umbrella & Excess Liability – higher limits for associations and large portfolios

• Directors & Officers (D&O) Insurance – for condo and HOA boards, and more

Cyber Liability – to protect from tenants or your data being hacked