Property Management Company Insurance

Property managers get sued from two directions. Tenants sue over how you treated them. Owners sue over how you managed their building and their money. Every day you approve applications, hold deposits, order repairs, and start evictions — and every one of those tasks has a statute attached.

E&O is the policy that defines this business. Washington's landlord-tenant law (RCW 59.18) is detailed and tenant-friendly. Return a deposit late — past the 21-day window — and the penalty can reach twice the deposit. Botch an eviction notice and the case gets dismissed, with you owing the tenant's legal fees. Sit on a habitability complaint — mold, a dead furnace in January — and the exposure lands on you and your owner both.

Fair housing is the claim that gets expensive. Federal and Washington law protect more than a dozen classes, including sexual orientation, gender identity, and veteran status. One careless sentence at a showing. One inconsistent screening decision. One denied accommodation request. Any of them can become a Human Rights Commission complaint or a HUD investigation, and six-figure outcomes are common.

General liability covers the physical side: a tenant slips on a walkway your crew didn't salt, or a stair rail you were hired to fix gives way. And because you hold tenants' social security numbers and bank details for rent payments, one breach can expose every tenant in your portfolio at once. Cyber coverage stopped being optional years ago.

We work with property managers across Washington, residential and commercial. The program that works puts E&O at the center, GL and cyber around it, and a fidelity bond if you touch trust accounts. Tell us your door count and we'll price it same-day.