Coverage by Property Type
What a property manager needs depends on what they manage. A commercial portfolio with continuous tenant build-outs, a co-op board that votes on purchase applications, a habitational portfolio in a hard market, and a short-term rental operation under Local Law 18 are four different underwriting conversations. Start with the segment that matches your book.
Commercial Property
office, retail, industrial, and mixed-use. Continuous tenant build-outs, lease-driven insurance requirements, and the heaviest scaffold law exposure in the state.
Learn MoreHOA, Condo & Co-op
community association management, where three policies meet over one loss: the master policy, the unit owner’s policy, and your own errors and omissions.
Learn MoreLong-Term Residential Rentals
habitational is a hard market in New York. Lead, mold, assault and battery, and fair housing exclusions matter more than the limit on the declarations page.
Learn MoreShort-Term & Vacation Rentals
Airbnb, VRBO, and seasonal properties, where a homeowners policy excludes the use and Local Law 18 decides whether you have a claim at all.
Learn MoreThe One Line That
Never Transfers
Errors and omissions
is the coverage that stays with you regardless of segment. Every other line on your program is a question of allocation whose policy responds, in what order, and whether the endorsement that decides it was ever actually added. That is the conversation this site is built around.
COVERAGE REVIEW
Bring your management agreements, your certificate log, and your current declarations pages.