Insurance by Industry
Insurance Built for Property Management Firms
From residential rentals in Meridian to commercial portfolios across the Treasure Valley, property managers carry real exposure — and need coverage that matches it.
Property manager insurance is a package of commercial coverages that protects property management firms against liability claims, professional errors, property damage, and the financial risks that come with managing other people's assets. If you oversee residential rentals, HOAs, commercial spaces, or mixed-use properties, your exposure runs in multiple directions at once: a tenant slips on a wet walkway, a vendor dispute turns into a lawsuit, or a data breach exposes your clients' financial records. Standard business insurance rarely covers all of it. Bittick Insurance works with multiple carriers to build a program that fits the actual shape of your portfolio — whether you manage a handful of single-family homes near Eagle or a growing commercial book across the valley.
Property managers juggle multiple risks that can turn into costly lawsuits and financial losses.
From tenant disputes to data breaches, we help you build a coverage foundation that protects your business and your clients' trust.
What this coverage includes
General Liability
General liability coverage pays for bodily injury and property damage claims brought against your firm, including legal defense costs and any resulting judgments. For a property manager, this means coverage when a third party is injured at your office or at a property under your management. It also covers damage you or your employees accidentally cause to someone else's property while on-site. This is the foundational layer that nearly every property management firm needs before anything else.
Errors and Omissions (Professional Liability)
Errors and omissions insurance, also called E&O or professional liability, covers claims that your firm gave bad advice, made a procedural mistake, or failed to perform professional duties. In property management, that exposure is constant: did you follow the correct eviction timeline? Did you verify that the contractor you hired was properly licensed? Did you disclose something you were required to disclose? A client alleging professional negligence can trigger a lawsuit regardless of whether you were actually at fault, and your defense costs alone can be significant. E&O coverage picks up those costs.
Commercial Property and Business Owners Policy
If your firm owns or leases office space, or owns any of the physical properties you manage, commercial property coverage protects those assets from fire, wind, vandalism, and other covered causes of loss. A Business Owners Policy (BOP) bundles commercial property with general liability in a single form, which often makes sense for smaller property management operations. It can also include business income coverage, which replaces lost revenue if a covered event forces you to suspend operations.
Cyber Liability
Property managers collect and store sensitive data: tenant applications, bank account information, Social Security numbers, lease records. A breach of that data exposes your firm to regulatory fines, notification costs, and lawsuits from affected parties. Cyber liability coverage pays for those costs when your systems are compromised. It can also cover the expense of notifying clients, credit monitoring services for affected individuals, and public relations work to manage the fallout. As Idaho and national data privacy requirements tighten, this coverage is no longer optional for any firm holding client financial data.
Crime, Fidelity, and Auto Coverages
Because property managers handle client funds — collecting rent, paying vendors, holding security deposits — crime and fidelity coverage protects against employee theft, forgery, and fraudulent transfers of money in your custody. On the vehicle side, if your employees drive to managed properties (which they do, constantly), hired and non-owned auto liability covers accidents that happen in personal vehicles used for work. If your firm owns vehicles, a commercial auto policy covers those directly. Both are necessary; one does not replace the other.
Pairs well with
Commercial Umbrella Insurance
An umbrella policy sits above your general liability and commercial auto limits, extending coverage when a single claim exhausts your underlying policy. For property managers overseeing multiple units or high-value commercial properties, the underlying limits can go faster than you'd expect.
Learn more ›Workers Compensation
If your firm has employees, Idaho and Texas both require workers compensation in most circumstances. It covers medical costs and lost wages when an employee is injured on the job, including maintenance staff and leasing agents who work in and around managed properties.
Learn more ›Commercial Auto Insurance
Hired and non-owned auto coverage handles accidents in employee-owned vehicles, but if your firm owns trucks, vans, or company cars, those need a separate commercial auto policy. The two coverages work together, not interchangeably.
Learn more ›Employment Practices Liability (EPLI)
Property management firms employ leasing agents, maintenance workers, and administrative staff. EPLI covers claims of wrongful termination, harassment, or discrimination brought by current or former employees, which is a separate exposure from tenant discrimination claims.
Learn more ›Landlord / Rental Property Insurance
If you personally own investment properties in addition to managing them professionally, a landlord policy protects those specific buildings and your rental income stream. This is distinct from the commercial property coverage your management firm carries for its own office.
Learn more ›