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This insurance provides coverage for buildings, business personal property and the personal property of others.
Damage to business buildings, personal property or equipment can devastate a business quickly. You’ll want to protect your business’s vital assets against potential loss to ensure that an unforeseen event won’t destroy the business you’ve built.
Whether it’s apartment buildings, warehouses, shopping malls, factories, or business property, we insure with excellent coverages. Some optional coverages include earthquake, flood, equipment floaters, blanket and business income.
Errors and Omissions Insurance, or E&O Insurance, is often used to protect firms from client claims of professional negligence. When businesses need to employ complex systems in order to function, for example, property management firms, E & O Insurance provides protection from any exposure to lawsuits regarding those systems.
Property management firms and condo associations have access to monies from residents, employees, and owners. This access can be exploited, and Crime and Fidelity Coverage provides coverage for just that.
General Liability Insurance is necessary for condo associations and property management firms for a number of reasons. The amount of risk present in day-to-day function is just too high for a property management firm to assume without having protection.
Data privacy is becoming more and more important as cyber attacks become more frequent – and more sophisticated. For property management firms and condo associations, the safety of their data as well as client data is crucial. If safety nets fail, having Cyber Liability Insurance is critical.
There are many unique risks that property management firms and condo associations face. One of which is accidents during site travel. If an employee is involved in a car accident while driving to a site, the property management firm could be at risk.
A Business Owners Policy (BOP) for Commercial Property Insurance provides coverage for any building a property management firm or condo association owns. It also covers personal property on the scene, as well as income lost for a covered event.
If a property is severely damaged, whether by a natural disaster or by a fire, property management firms or condo associations may be facing excessive repair costs. If these costs exceed the basic limit of a standard policy, you may be on the hook for that bill.
Commercial Umbrella Insurance offers coverage beyond the regular limits of a standard policy in case of catastrophic loss.
Storage tanks tanks are susceptible to damage, and failure, just like any other equipment. However, events like leaking fuel tanks are not typically covered under basic insurance policies. Environmental Insurance provides coverage for clean-up as well as lawsuits resulting from leaking tanks.
Equipment doesn’t last forever, and when it fails it can become very expensive to fix. When an elevator motor breaks down, or an HVAC unit fails, System Breakdown Insurance provides coverage for the loss.
For condo associations, policies usually exclude sponsor coverage of unit interiors. Sponsors, or holders, of unsold shares remain responsible for damages that occur inside the units. To maintain adequate protection, Sponsor/Investor Owned Units Insurance provides that coverage.
When managing properties or being a member of a condo association, numerous choices need to be made on a daily basis. To protect your business from potential lawsuits resulting from those decisions, you may need Directors and Officers Liability Insurance.