Covers claims arising from errors, omissions, or negligent acts in your property management services — missed maintenance issues, improper tenant screening, lease errors, or failure to collect rent. E&O is the most critical coverage for property managers.

Covers bodily injury and property damage claims arising from your property management operations — slip and falls at managed properties, damage caused by your contractors, and other third-party claims.

Covers your property management office, equipment, and business assets. If you maintain a physical office, commercial property coverage protects your business location and equipment.

Required in Oregon if you have employees. Property management companies often employ maintenance staff, leasing agents, and administrative personnel — workers' compensation is required for all employees.

Covers losses from employee theft, embezzlement, or fraud. Property managers handle significant amounts of client funds — fidelity coverage protects against dishonest acts by employees or contractors.

Covers data breaches and cyber incidents involving tenant personal information, financial data, and property records. Property management companies store significant amounts of sensitive tenant data that requires cyber liability protection.