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Comprehensive Property Manager Insurance by Marlow Campbell Insurance Group

Protecting Property Managers in North Carolina with Reliable Insurance Solutions

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Property Manager Insurance Provided by Marlow Campbell Insurance Group

Safeguard your business against financial setbacks arising from rental disputes or tenant property damage with our specialized property manager insurance.

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Error & Omissions
Commercial property
Non-owned auto liability
Professional liability
Workers’ Compensation

Error & Omissions coverage

Risk Factors

Like any service industry that provides a specialized service, property managers should carry professional liability insurance, often referred to as Errors and Omissions (E&O) Insurance.


This insurance is designed to protect you from claims against the invasion of privacy, wrongful eviction, hiring unlicensed contractors, and other similar actions related to the industry. Essentially, this insurance protects the tenant and landlord from a financial loss directly related to a mistake made by the property manager.

Commercial property coverage

Risk Factors

Property managers are generally responsible for keeping insurance coverage on the buildings they manage, but this depends on their responsibilities as outlined in the contract with the property owner.


This protects a property manager’s assets after a physical loss due to smoke, fire, wind, hailstorm, vandalism, and other covered events.

Non-owned auto liability coverage

Risk Factors

If an employee drives a rented vehicle for the day–to–day work and meets an accident while on work, the third party can file a case against you.


This should be purchased if you or your employees drive personal vehicles for business use. It can be added to a business auto insurance or general liability policy.

Professional liability coverage

Risk Factors

Similar to D&O coverage, professional liability coverage (also sometimes called “errors and omissions” or “malpractice” insurance) protect against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or sexual harassment.


It can help cover not only directors and officers but also staff, volunteers, and the nonprofit organization itself.

Workers’ Compensation insurance coverage

Risk Factors

General liability will not provide coverage for injuries to employees. These coverages are important because they address injuries to your human assets – your employees and your volunteer workforce.


Workers’ compensation pays medical expenses, disability, and death benefits for injured workers. Volunteer accident insurance pays for minor injuries to volunteers who are donating their time and expertise to your cause.

Who Needs Property Manager Insurance Coverage?

If you're engaged in any of the following activities in [state], it's crucial to have comprehensive insurance coverage:

  • Renting or leasing residential properties to others
  • Managing rental properties for clients
  • Coordinating services for rental property owners (e.g., hiring or supervising maintenance)

In the property management industry, lawsuits are common. With proper insurance, your business can avoid significant risk. Clients also expect you to have appropriate insurance to protect their valuable assets. The right policy can compel clients to choose you as their property manager, showcasing your professionalism and dedication.

What Does Property Manager Insurance Cover?

Typical Property Manager Insurance policies include:

Property Coverage: Protects the physical building and associated property.
General Commercial Liability: Covers legal claims of negligence leading to bodily injury or property damage.
Errors & Omissions Liability (Professional Liability): Protects against negligence claims or errors in your professional services.

Additional coverages often include:

  • Rental Income Replacement
  • Sewer Backup Coverage
  • Tenant Damage Coverage
  • On-Premises Pollution Coverage

Property Manager Insurance also shields you from negligence claims and damages through professional liability coverage. Commercial general liability insurance, typically on an occurrence basis, covers allegations of negligence causing injury or property damage. Errors & omissions coverage, usually provided on a claims-made basis, activates when a claim is made and reported within the policy period, typically one year, with annual premiums and deductibles per claim.

Examples of Property Manager Insurance Claims

Wrongful Eviction: If you evict a tenant without following the correct process, you may face a lawsuit from the tenant.
Tenant Discrimination: A prospective tenant might claim discrimination if they believe they were denied a rental based on gender, race, or religion.
Resident Injury: If a tenant or visitor is injured on your property, you could be held liable.

Property managers in North Carolina carry substantial risks on behalf of their clients. Ensure your business and clients are well-protected with a property management insurance policy. Even with the utmost professionalism, you can still face lawsuits for wrongful eviction or discrimination. Secure your business and client relationships—contact Marlow Campbell Insurance Group today to learn more about our property management insurance solutions tailored for North Carolina.

Already have Property Manager Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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