Covers claims arising from errors or omissions in your property management services — a missed maintenance issue that causes guest injury, a booking error, or a failure to disclose a property defect. E&O coverage is essential for vacation rental property managers.

Covers bodily injury and property damage claims arising from your property management operations — a guest injured at a property you manage, damage to a client's property, or third-party claims related to your management activities.

Covers your liability as a property manager for incidents at properties you manage on behalf of owners. This coverage is distinct from the property owner's coverage and protects you specifically in your management role.

Covers theft or fraud by your employees — a significant risk for property management companies that handle keys, access codes, and client funds. Employee dishonesty coverage protects your business and your clients.

Covers data breaches and cyber incidents involving guest data, payment information, and property owner information. Vacation rental property managers store significant amounts of sensitive data that needs cyber liability protection.

Covers vehicles used for property management operations — inspections, maintenance coordination, guest check-ins, and other business activities. Personal auto insurance excludes business use.