Specialized Insurance Protection for Property Managers
You manage properties, people, and risk every day. Your owners, investors, and tenants rely on you to keep operations running smoothly, no matter what happens. Property manager insurance is designed to protect your management business and the assets you oversee, so one claim does not derail your cash flow or your long term plans.
Ingram Insurance Group provides insurance solutions tailored for property managers and real estate professionals across Ohio, Kentucky, West Virginia, Tennessee, Pennsylvania, Michigan, and Florida. As an independent insurance agency owned and operated by real estate investors, we understand how to structure coverage for both your management company and the properties in your portfolio.
Insurance Built Around How You Manage Property
Your risks as a property manager are different from those of a typical business owner. You are responsible for third-party funds, you coordinate maintenance and repairs, you interact daily with tenants and vendors, and you may be named in lawsuits even when you do not own the property. The right insurance program is designed around these exposures, not just a generic business policy.
When you work with Ingram Insurance Group, we focus on aligning coverage with how you actually operate. Whether you manage single-family rentals, multifamily buildings, small commercial properties, or a mix of real estate assets, we help you identify where your biggest exposures sit and what insurance options are available to address them.
Key protections property managers often consider include:
-
Coverage for your management company’s office, equipment, and business property
-
General liability insurance for bodily injury or property damage claims related to your operations
-
Professional liability or errors and omissions coverage for your management activities
-
Coverage options for tenant-caused damage and liability arising out of tenant injuries or disputes
-
Insurance strategies that coordinate with owners’ policies on the buildings you manage
By approaching your account through the lens of real estate investment, we aim to help you protect income streams, preserve property values, and support long term growth for both you and your clients.
Interactive Graphic
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.
Solution
Errors and omissions liability insurance protects property management firms if a client alleges that you were professionally negligent or failed to perform professional duties.
Commercial Property Insurance
Risk Factor
Property management firms may face serious financial consequences from property loss by fire, wind or other causes.
Solution
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.
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.
Solution
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.
Solution
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.
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.
Solution
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
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.
Solution
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.
How a Tailored Property Manager Insurance Program Works
A strong property manager insurance program usually includes multiple policies that work together. Your management company may need coverage for your own office and staff, while the individual properties require separate policies for buildings, loss of rent, and liability. Our role is to help you sort out where each risk belongs and which party should carry which coverage.
We start by reviewing how your management agreements are written, how many doors you manage, the types of properties involved, and which states you operate in. From there, we look at liability exposures, the flow of rent and deposits, and any requirements placed on you by owners, lenders, or franchise or association rules. Based on this, we outline coverage options and explain how they respond in different claim scenarios, so you can choose what fits your risk tolerance and budget.
What to Expect When You Work with Us
Working with Ingram Insurance Group is a straightforward process focused on clarity and practicality. We begin with a conversation about your real estate portfolio and your management operations. This helps us understand whether you work primarily with long-term rentals, short-term rentals, small commercial properties, or a mix, and how your contracts allocate responsibility between you and the owners.
After gathering information, we review available insurance carriers and program structures that fit your needs and service locations. You receive explanations in plain language, not technical jargon, so you can see where coverage is strong and where there may be gaps. As your portfolio or management agreements change, we are available to review your insurance and help keep it aligned with your current risk profile.
Why Property Managers Choose Ingram Insurance Group
Property managers choose Ingram Insurance Group because they want an insurance partner that understands real estate investment from the inside. We are not only an independent insurance agency, we are also owned and operated by experienced real estate investors. This combination helps us see how claims, coverage limits, and policy wording affect actual returns and day-to-day operations.
As an independent agency, we are not tied to a single insurance company. This allows us to access multiple carriers and look for solutions that fit different types of properties and portfolios, across the states we serve. Our focus is on building long term relationships with property managers and real estate professionals, helping you support your owners, protect your tenants, and keep your management business prepared for the unexpected.
Frequently Asked Questions About Property Manager Insurance
What is property manager insurance?
Property manager insurance is a set of insurance policies designed to protect your management company from financial loss related to your services. It can include coverage for your office and business property, general liability, professional liability or errors and omissions, and other protections connected to managing rental or investment properties.
Do I need insurance if I do not own the properties I manage?
Yes, even if you do not own the buildings, you can still be named in lawsuits related to injuries, property damage, or disputes over how a property is managed. Property manager insurance focuses on your operations and your legal responsibilities under your management agreements.
Can property manager insurance work with the owner’s property policy?
Yes, your insurance is typically designed to work alongside the property owner’s insurance. Owners usually insure the buildings and sometimes the loss of rent, while you insure your management company and your professional services. We help review contracts and policy wording so both sides understand how coverage is coordinated.
Is this coverage available if I manage properties in more than one state?
Ingram Insurance Group serves clients in Ohio, Kentucky, West Virginia, Tennessee, Pennsylvania, Michigan, and Florida. If your management operations or property portfolio are in these states, we can discuss options that account for the different locations where you do business.
Can my insurance be adjusted as my portfolio grows or changes?
Yes, as you add or remove any properties, expand into new markets, or change your management structure, your insurance program can be reviewed and adjusted. Periodic reviews help keep your coverage aligned with your current operations and the size and type of properties you manage.
Protect Your Properties With Tailored Coverage Today
Secure the right protection for your portfolio with our specialized property manager insurance solutions designed around your risks and responsibilities. At Ingram Insurance Group, we make it straightforward to review your current coverage, identify gaps, and get a personalized quote, or you can contact us to discuss your needs with a dedicated advisor.
Let’s Get Started
Property Manager Insurance Quote Request
"*" indicates required fields
Don’t like forms? Contact us at or email us.
