Thousands of units, one requirement
Every lease needs proof of renters insurance, and every uninsured unit is a resident-caused fire or leak that can land on the owner’s policy.
Solved byResident Insurance
For multifamily property managers
One Platform to Protect Properties, Residents, Vendors and Your Business.
Property management companies oversee thousands of units, many owners, countless vendors and complex insurance obligations. InsuredAI automates the insurance side of property management, from resident coverage to claims, and covers the management company itself.
The challenge
The insurance challenges property managers face
Many owners, many policies
Each owner has its own broker, limits and renewal dates. When one lapses, the management company can be exposed too.
Solved byOwner Insurance Compliance
Vendors, incidents and claims
Contractors on site and losses spread across hundreds of buildings, tracked in emails, photos and spreadsheets.
Solved byVendor Compliance Incident & Claims Management Property Risk Intelligence
The company behind the properties
Professional mistakes, cyber attacks, employee injuries and theft of client funds hit the management company itself.
Resident InsuranceEvery Resident Covered. Every Property Protected.
Resident-caused fires, leaks and accidents are some of the most common losses at a multifamily property. A strong resident insurance program makes sure every unit is covered, by the resident’s own renters policy or by a property-level program, so those losses don’t fall on the owner.
InsuredAI helps property managers set the requirement for each property, verify every resident’s policy and enroll uncovered units in the property’s program.
What we offerFour ways to cover every unit
HO4 – Renters Insurance
The resident’s own policy: their belongings, their personal liability and extra living costs if the apartment becomes unlivable.
- Who benefits
- Residents protect what they own. The property gets proof of liability coverage on every lease.
- How it works
- Residents upload the policy they hold. We check it against your requirement and track it until it renews or expires.
Tenant Legal Liability (TLL)
Damage a resident accidentally causes to the building, such as fire, smoke or water damage, when the resident has no renters policy.
- Who benefits
- Owners and managers: resident-caused damage is covered without a claim on the property’s own policy.
- How it works
- Units without proof of insurance join the program after the grace period. The prorated charge goes on the resident’s ledger.
Master Policy Programs
One property-level policy that automatically covers every unit without a compliant resident policy. Unlike TLL, it can include contents coverage for the resident’s own belongings.
- Who benefits
- Property managers close the uninsured gap without chasing residents. Owners get coverage across the whole community.
- How it works
- A unit is enrolled when it falls out of compliance and removed once the resident’s own policy is verified.
Captive Insurance Programs
For large portfolios: resident liability is insured through the owner’s own captive insurance company, so premium and underwriting results stay with the owner.
- Who benefits
- Owners and operators with thousands of units who want control of their resident program.
- How it works
- We run the program technology for the captive: requirements, enrollment, billing records and reporting.
How it works
- 01SyncResidents, units and leases from Yardi, every night
- 02VerifyAI reads each uploaded policy against the requirement
- 03RemindEmail, and text where residents opt in
- 04EnrollUnits still uncovered join the property program
Why InsuredAI
- One partner for coverage and compliance. A licensed insurance broker in 49 states, with its own technology to run the program.
- Requirements for each property. Set the liability minimum and grace period community by community.
- Built around the lease. Coverage is checked against each resident’s lease and unit, not just a name on a certificate.
- Billing your team can post. Program charges are prorated by day and delivered as a Yardi-ready charge file.
AI & automation
- AI-read proof of insurance. Every uploaded policy is checked for the liability limit, dates, named insured and interested party.
- Automatic enrollment. Units that stay uninsured after the grace period are enrolled, and removed once their own policy is verified.
- Reminders before coverage lapses. Residents hear from us by email, and by text where they opt in.
- Nightly Yardi sync. New leases, move-ins and renewals are picked up without manual uploads.
Compliance rate97.2%+9.1% in 12 months18,420 units monitored
insured.ai/Resident insuranceAll propertiesLast 12 months
Units monitored18,42062 properties
Insured residents17,904▲ +1,676
Uninsured516▼ −76%
Expiring in 30 days734Reminders scheduled
Monthly compliance% of occupied units
85%90%95%100%
97.2%DecJanFebMarAprMayJunJulAugSepOctNov
Coverage status18,420 units
- Own policy (HO4)12,31866.9%
- Property program5,58630.3%
- Expired, in cure window3121.7%
- Non-compliant2041.1%
214 units auto-enrolled this month
Needs attention4 of 516
| Unit | Property | Status | Next step |
|---|---|---|---|
| 904 | Cedar Row | Expired · cure window | Reminder sent by email and text |
| 1212 | Harbor Point | Non-compliant | Enrolled in property program |
| 318 | Maple Commons | Pending verification | Reading the uploaded policy |
| 22B | Lakeside Flats | Liability below lease | Resident asked for an updated policy |
Illustrative dashboardTracks units monitored, insured residents, compliance rate, uninsured units, expiring policies and monthly trends.
Business value & performance
Reduce uninsured exposure. Automate compliance. Create a more efficient resident insurance program.
- Fewer uninsured unitsUncovered units are found and enrolled instead of left exposed.
- Less manual workNo chasing certificates or checking policies by hand.
- Cleaner billingProrated program charges, ready to post in Yardi.
Owner Insurance ComplianceMake Sure Every Property You Manage Is Properly Insured.
Large management companies run buildings for many owners, and every owner has different policies, brokers, renewal dates and limits. When an owner’s coverage lapses or falls short, the management company can be exposed too.
InsuredAI collects every owner’s insurance, checks it against the requirements you set and keeps it current, so you always know which properties are properly insured.
What we offerCoverage oversight for every owner you work for
Owner policy tracking
Each owner’s property, liability and umbrella coverage on file, property by property.
- Who benefits
- Management companies working for many ownership groups.
- How it works
- Owners or their brokers send policies and certificates by email, and we organize them by property.
Requirement checks
Limits, additional insured status and policy dates checked against the requirements for each owner.
- Who benefits
- Risk, compliance and asset management teams.
- How it works
- Set the requirements once. Every new document is checked against them.
Renewal and lapse follow-up
Expiring or missing coverage followed up before it becomes a problem.
- Who benefits
- Property managers who shouldn’t have to chase owners.
- How it works
- Our compliance agent emails the owner or their broker and follows up until the updated certificate arrives.
Coverage for the gaps
When an owner’s coverage falls short, we can quote replacement or additional coverage as a licensed broker.
- Who benefits
- Owners who need better coverage, and managers who need it in place.
- How it works
- We review the gap, take it to market and present the options.
How it works
- 01CollectPolicies and certificates from owners and brokers
- 02CheckAI compares each document with the requirement
- 03Follow upThe agent emails owners before coverage lapses
- 04ReportCompliance by owner and property
Why InsuredAI
- Insurance expertise, not just tracking. We read policies the way a broker does, because we are one.
- One view across every owner. All owners, policies and renewal dates in one place.
- Nothing new for owners to learn. Owners and their brokers simply reply by email.
- Organized the way you manage. Requirements and reports by owner, portfolio and property.
AI & automation
- Reads every certificate and policy. Limits, insured parties, dates and endorsements are pulled out automatically.
- The compliance agent does the chasing. It writes to the owner or broker, reads the reply and updates the record.
- Early warnings. Expiring and insufficient coverage is flagged ahead of renewal.
Portfolio compliance92.5%+6.4% this year214 properties · 37 owners
insured.ai/Owner complianceAll ownersThis quarter
Properties monitored21437 owners
Fully compliant198▲ +14 this year
Coverage gaps9Owners notified
Expired or missing7Requests sent
Managed propertiesSorted by risk
| Property | Owner | Policy status | Coverage | Renewal | Risk |
|---|---|---|---|---|---|
| Harbor Point | Elm Street | Expired | COI requested | Nov 2 | High |
| Bayside Lofts | Northgate | Insufficient | Umbrella $5M short | Jan 14 | High |
| Cedar Row | Meridian | Renewing | Meets requirement | Dec 1 | Moderate |
| Summit Ridge | Oakmont Trust | Compliant | Meets requirement | Mar 30 | Low |
| Maple Commons | Harborline | Compliant | Meets requirement | May 18 | Low |
Compliance agentToday
Certificate requestedEmailed Elm Street Partners’ broker for Harbor Point’s renewed liability certificate2m
Gap foundBayside Lofts umbrella is $5M; the management agreement requires $10M1h
Certificate on fileSummit Ridge property certificate received, valid to Mar 30, 20273h
Coverage status214 properties
- Fully compliant19892.5%
- Insufficient coverage94.2%
- Expired or missing73.3%
23 renewals in the next 60 days, follow-ups scheduled
Illustrative dashboardTracks properties monitored, fully compliant properties, missing documents, expiring policies, coverage deficiencies and portfolio compliance.
Business value & performance
Protect your management company by ensuring that the properties under your management maintain the required insurance coverage.
- Less exposure for the managerKnow an owner’s coverage is in place before a loss, not after.
- Hours back every monthNo spreadsheets of certificates and renewal dates.
- A clean recordEvery policy, request and reply kept on file by property.
Vendor ComplianceEvery Vendor Verified. Every Insurance Requirement Monitored.
Contractors and service providers work in your buildings every day. If a vendor without the right insurance causes damage or someone gets hurt, the cost can come back to the property and its owner.
InsuredAI collects, verifies and monitors vendor insurance, so every vendor meets the property’s requirements before work starts and stays compliant after.
What we offerVendor insurance, handled end to end
Certificate collection
Certificates of insurance and endorsements requested from every vendor and kept on file.
- Who benefits
- Property, maintenance and procurement teams.
- How it works
- Vendors get a request by email and reply with their documents.
Requirements by type of work
Limits, additional insured, waiver of subrogation and expiration dates checked against the rules for each kind of work.
- Who benefits
- Risk teams that need different rules for a roofer and a cleaner.
- How it works
- Set requirement templates once and assign them to vendor categories.
Expiration tracking
Renewal requests sent before a vendor’s certificate expires.
- Who benefits
- Teams that schedule vendors weeks ahead.
- How it works
- Vendors are reminded until the new certificate arrives.
Non-compliance alerts
Uninsured or under-insured vendors flagged before they’re scheduled.
- Who benefits
- Site teams and property managers.
- How it works
- Each vendor’s status shows property by property.
How it works
- 01RequestCertificates requested from every vendor
- 02VerifyAI checks limits, endorsements and dates
- 03MonitorRenewals tracked before expiry
- 04AlertNon-compliant vendors flagged to your team
Why InsuredAI
- Rules written by insurance professionals. Requirements that reflect real contractor risk, by type of work.
- Your own policies, checked too. We read your policies for terms that require insurance from vendors, flag them and check them against your vendor requirements.
- One standard across the portfolio. The same requirements, applied at every property.
- Easy for vendors. They reply by email, with no portal or login needed.
AI & automation
- AI reads every certificate. Limits, endorsements and dates extracted and checked automatically.
- Automatic renewal requests. Vendors are asked for a new certificate before the old one expires.
- Risk flagged early. Missing or insufficient coverage surfaced before a vendor is on site.
Compliant vendors88.4%+11.2% since rollout1,284 vendors · 62 properties
insured.ai/Vendor complianceAll vendorsAll properties
Vendors monitored1,28462 properties
Compliant1,135▲ +144 since rollout
Non-compliant92Below requirement
Missing documents57Requests sent
Vendors needing attention64 certificates expire in 30 days
| Vendor | Trade | Issue | Expires | Status |
|---|---|---|---|---|
| Apex Roofing Co. | Roofing | No additional insured | Feb 3 | Non-compliant |
| BlueLine Plumbing | Plumbing | Expires in 12 days | Nov 19 | Expiring |
| Northside Electric | Electrical | No workers’ comp | — | Missing |
| Greenway Landscaping | Landscaping | Meets requirement | Jun 30 | Compliant |
| BrightStar Cleaning | Cleaning | Meets requirement | Aug 12 | Compliant |
Vendor status1,284 vendors
- Compliant1,13588.4%
- Non-compliant927.2%
- Missing documents574.4%
3,940 certificates and endorsements read this year
Requests and renewalsToday
Renewal requestedAsked BlueLine Plumbing for its renewed certificate5m
Endorsement check failedApex Roofing’s certificate doesn’t list the owner as additional insured40m
Certificate acceptedGreenway Landscaping meets the landscaping requirement2h
Concept dashboardTracks vendors monitored, compliant vendors, expiring certificates, missing documents, non-compliant vendors and documents processed.
Business value & performance
Reduce vendor-related insurance exposure while eliminating manual certificate tracking.
- Less vendor riskUninsured contractors caught before they start work.
- No more certificate spreadsheetsEvery vendor’s status in one place.
- Faster onboardingVendors know what’s required from the first request.
Incident & Claims ManagementFrom Incident to Claim. Managed by AI.
When something goes wrong at a property, the first days decide how well the claim goes: what was documented, which policy responds and who follows up with the carrier.
InsuredAI manages incidents and claims across the portfolio, from the first report to the final payment, with every document, deadline and next step in one place.
What we offerClaims support from first report to final payment
Incident reporting
Fires, leaks, injuries and other incidents reported in one place, with photos and documents.
- Who benefits
- On-site teams and property managers.
- How it works
- Log the incident to the property, then escalate it to a claim in one step when needed.
Claim filing support
Claims prepared with the right policy, documents and details, then reported to the carrier.
- Who benefits
- Managers and owners who want claims filed right the first time.
- How it works
- As your broker, we help assemble the claim and report it.
Claim tracking and follow-up
Every open claim, adjuster contact, task and payment tracked until the claim closes.
- Who benefits
- Risk and asset management teams.
- How it works
- Adjuster emails update the claim automatically, and open tasks go to the right person.
Claims and loss analytics
Claims by property, cause and cost across the portfolio, with loss runs kept current.
- Who benefits
- Owners, executives and renewal teams.
- How it works
- Carrier loss runs are read automatically and combined with open claims.
How it works
- 01ReportThe incident logged with photos and documents
- 02FileThe claim prepared and reported to the carrier
- 03Follow upAdjuster emails keep the claim current
- 04LearnClaims trends across the portfolio
Why InsuredAI
- Your broker on every claim. We work the claim with the carrier until it closes.
- Everything in one file. Photos, documents, emails and payments kept with the claim.
- Nothing stalls. Open tasks and follow-ups tracked for every claim.
- A portfolio-wide view. Every claim at every property, in one place.
AI & automation
- The claims agent keeps files current. Adjuster emails are read and the claim is updated automatically.
- Loss runs read automatically. Carrier loss runs turned into clean, comparable claims history.
Average days to close41 days−9 days vs last year83 claims this year
insured.ai/ClaimsAll propertiesLast 12 months
Open incidents175 reported this week
Active claims38$1.86M reserved
Awaiting action12Tasks assigned
Closed this year45▼ −9 days to close
Active claimsMost recent first
| Claim | Property | Cause | Status | Next step |
|---|---|---|---|---|
| #4217 | Cedar Row | Water damage | Inspection set | Repair estimate due Nov 12 |
| #4209 | Harbor Point | Fire | Under review | Adjuster follow-up |
| #4198 | Bayside Lofts | Liability | Documents needed | Send incident report |
| #4183 | Maple Commons | Wind / hail | Payment issued | Confirm and close |
Claims by causeCountLast yearThis year
Water damage-17%
Liability+14%
Wind / hail-21%
Fire / smoke-22%
Theft / vandalism-25%
Claim #4217Cedar Row
Incident reportedWater leak from unit 3B into 2B, photos attachedOct 28
Escalated to claimReported to the property carrier with photosOct 29
Claim updatedAdjuster’s email read: inspection set for Nov 4Oct 31
Estimate requestedRepair estimate due from the plumberNov 5
Illustrative dashboardTracks open incidents, active claims, claims by category, average processing time, claims awaiting action and historical trends.
Business value & performance
Faster reporting. Better documentation. Improved claims visibility.
- Faster first reportsIncidents logged while the details are fresh.
- Stronger claimsThe right documents in the file from day one.
- Clear visibilityEvery claim’s status, cost and next step in one view.
Property Risk IntelligenceIdentify Property Risks Before They Become Insurance Claims.
Many insurance claims start as small, visible problems: a recurring leak, a broken gate, a complaint about a smoke detector. The warning signs are often already in resident reviews, complaints and claims history.
InsuredAI analyzes each property’s environmental exposure, claims history, venue and building characteristics, along with resident feedback, to spot emerging risks early, so teams can fix problems before they turn into claims.
What we offerEarly warning for property risk
Environmental risk analysis
Flood, wind, wildfire and earthquake exposure for every property, from FEMA data.
- Who benefits
- Teams with properties in hazard-prone markets.
- How it works
- Each property is geocoded and matched to FEMA hazard data automatically.
Claims analysis
Loss frequency and severity by property and cause of loss, from your loss runs.
- Who benefits
- Risk teams and owners.
- How it works
- Loss history shows which problems have turned into claims before.
Venue and property characteristics
Each county’s court tendencies, plus occupancy, unit count and building details.
- Who benefits
- Portfolio and asset managers comparing properties.
- How it works
- Every property is scored the same way, so properties can be compared.
Resident feedback analysis
Reviews and complaints scanned for signs of water damage, safety, security and maintenance problems.
- Who benefits
- Operations and asset management teams.
- How it works
- Feedback is grouped into risk categories, property by property.
Risk signals and alerts
Property-level alerts when a pattern points to a likely claim.
- Who benefits
- Property managers and regional leaders.
- How it works
- Recurring issues are flagged with the evidence behind them.
Prevention priorities
Recommended actions ranked by risk, for maintenance and operations teams.
- Who benefits
- Teams deciding where to act first.
- How it works
- Each recommendation links to the signals and property behind it.
How it works
- 01CollectHazard, claims, venue and property data, plus resident feedback
- 02DetectAI groups recurring issues into risk signals
- 03PrioritizeProperties ranked by likely claim impact
- 04PreventRecommended fixes for each property
Why InsuredAI
- Built on what underwriters weigh. Environmental exposure, claims history, venue and property characteristics, for every property.
- An insurance view of risk. Signals ranked by how likely they are to become a claim, not by volume alone.
- Portfolio comparisons. See which properties are trending worse than their peers.
- Connected to your coverage. Risk viewed alongside each property’s policies and claims history.
AI & automation
- AI reads resident feedback at scale. Thousands of reviews and complaints sorted into risk categories.
- Pattern detection. Recurring water, fire, safety and liability issues surfaced automatically.
- AI recommendations. Suggested next steps for each elevated property.
Properties with elevated risk3of 62 monitored412 risk signals this quarter
insured.ai/Risk signalsAll propertiesLast 90 days
Properties monitored6218,420 units
Risk signals412From 9,800 reviews
High priority14Across 3 properties
Next actions218 completed
Elevated propertiesLast 90 days
| Property | Main risk | Signals | Trend | Risk |
|---|---|---|---|---|
| Lakeside Flats | Recurring water leaks | 38 | Rising | 82High |
| Riverside Lofts | Smoke detector complaints | 21 | Rising | 76High |
| Harbor Point | Broken gate and lighting | 17 | Steady | 71High |
| Summit Ridge | No elevated signals | 4 | Falling | 21Low |
Recurring complaint categoriesTop fiveLast quarterThis quarter
Water leaks+44%
Security+18%
Fire safety+61%
Mold-13%
Trip and fall-12%
AI recommendationsThis week
Lakeside FlatsInspect supply lines in building C: 9 leak complaints in 30 daysToday
Riverside LoftsTest smoke detectors on floors 3 to 5Today
Harbor PointRepair the pool gate latch; access complaints doubledMon
Concept dashboardTracks properties monitored, emerging risk signals, high-priority issues, recurring complaint categories, risk trends and recommended actions.
Business value & performance
Move from reactive claims management to proactive property risk prevention.
- Fewer avoidable claimsProblems fixed while they’re still small.
- A stronger renewal storyA record of risk improvements to show underwriters.
- Focused budgetsMaintenance spend directed where risk is highest.
Property Management Company InsuranceProtect the Company Behind the Properties.
Property management companies carry risks of their own, beyond the buildings they manage: professional mistakes, employee injuries, cyber attacks, theft of client funds and claims against leadership.
As a licensed insurance broker in 49 states, InsuredAI reviews, structures and places insurance for the management company itself, and keeps it current at every renewal.
What we offerInsurance for your own business
Errors & Omissions (E&O)
Claims that your management services caused a client financial harm, such as a missed insurance renewal, an accounting error or a lease mistake.
General Liability
Injuries and property damage at your offices or caused by your operations, including legal defense.
Workers’ Compensation
Medical costs and lost wages for employees hurt on the job, from leasing agents to maintenance crews.
Cyber Insurance
Data breaches, ransomware and payment fraud involving resident and owner data, including notification and recovery costs.
Crime / Fidelity
Theft of company or client money by employees or outsiders, including rent and security deposits you hold.
Employment Practices (EPLI)
Claims from employees or job applicants of discrimination, harassment or wrongful termination.
Directors & Officers (D&O)
Protection for your leadership’s personal assets against claims tied to management decisions.
Umbrella & Excess Liability
Extra limits above your general liability, auto and employer’s liability policies, for large claims.
How it works
- 01ReviewYour current business policies, read in full
- 02Find gapsMissing, overlapping or low coverage
- 03MarketCompetitive quotes from multiple carriers
- 04RenewRenewals tracked and prepared early
Why InsuredAI
- Specialists in property management. We know the risks a management company carries, from client funds to maintenance crews.
- One broker for the company and the properties. Your business insurance and your managed portfolio, reviewed together.
- Licensed in 49 states. Coverage for companies operating across state lines.
AI & automation
- AI reads your current policies. Limits, exclusions and endorsements extracted from every policy.
- Side-by-side quote comparison. Every proposal lined up term by term.
- Renewal tracking. Expiring policies flagged well before the renewal date.
Annual premium$486K8 policies · 3 renew in 90 days2 coverage gaps flagged
insured.ai/Company insuranceAll policiesPolicy year 2026
Business policies86 carriers
Annual premium$486KPolicy year 2026
Renewals in 90 days3Prep started
Coverage gaps2Cyber, crime
Coverage overview8 policies
| Coverage | Limit | Premium | Renewal | Status |
|---|---|---|---|---|
| Workers’ Compensation | Statutory | $142,300 | Mar 1 | Active |
| Errors & Omissions | $5M | $118,400 | Jan 1 | Renewal in prep |
| Umbrella | $10M | $65,800 | Jan 1 | Renewal in prep |
| General Liability | $1M / $2M | $46,900 | Apr 1 | Active |
| EPLI | $2M | $38,700 | Mar 1 | Active |
| Cyber | $1M | $31,600 | Jan 1 | Limit low for 80K resident records |
| D&O | $3M | $29,500 | Jun 1 | Active |
| Crime / Fidelity | $500K | $12,800 | Jun 1 | Below client funds held |
Premium by line$486K
- Workers’ comp$142K29.3%
- E&O$118K24.4%
- Umbrella$66K13.5%
- Other five lines$160K32.8%
Renewal activityJan 1 renewals
Gap flaggedCrime limit is $500K; client funds held peak at $1.4MToday
Quotes compared3 E&O renewal options lined up term by term2d
Renewal kickoffE&O, umbrella and cyber renew on Jan 1Nov 3
Illustrative dashboardTracks business insurance policies, total annual premium, upcoming renewals, identified coverage gaps, coverage limits and quote comparisons.
Business value & performance
Protect your business, your employees, your leadership, and your financial future.
- No hidden gapsKnow what your company is and isn’t covered for.
- Better terms at renewalQuotes compared on coverage, not just price.
- One annual reviewAll business policies managed in one place.
Results
What our customers say
“Before Insured AI, claims were messy and hard to keep track of. Now everything’s in one place, it’s easy to manage, and the AI insights quickly surface trends we would’ve missed.”
FAQ
Questions from property managers
About InsuredAI
4 questions
What insurance problems does InsuredAI solve for property managers?
Resident insurance compliance, owner and vendor insurance tracking, incident and claims management, early risk signals and insurance for the management company itself.
Does InsuredAI work with Yardi?
Yes. Resident insurance syncs residents, units and leases from Yardi every night.
Do we need to replace our current systems?
No. InsuredAI works alongside your property management system and your email.
Is InsuredAI a broker or a software company?
Both: a licensed insurance broker in 49 states with its own insurance technology platform.
Resident Insurance
4 questions
Do residents have to buy renters insurance from InsuredAI?
No. Residents can keep any renters (HO4) policy that meets the property’s requirement. They upload proof, and we check it against the lease.
What happens when a resident has no proof of insurance?
After the grace period set for the property, the unit is enrolled in the property’s program and the prorated charge goes on the resident’s ledger. Enrollment ends once the resident’s own policy is verified.
What does the platform check on a renters policy?
The liability limit against your minimum, the policy dates, the named insured and the interested party.
Which property management systems does it work with?
Yardi today. Residents, units and leases sync every night, and program charges are delivered as a Yardi-ready charge file.
Owner Insurance Compliance
4 questions
What is owner insurance compliance?
Making sure every owner you manage for carries the insurance your management agreement requires, such as property, liability and umbrella coverage with the right limits and additional insured status.
How do you collect owners’ insurance documents?
Owners or their brokers send policies and certificates by email or upload. Our compliance agent requests anything missing and follows up until it arrives.
Do owners need to log in to anything?
No. Owners and their brokers simply reply by email.
What happens when an owner’s coverage falls short?
The gap is flagged on the property and the owner or broker is asked for updated coverage. You can see the status of every request.
Vendor Compliance
4 questions
What is a certificate of insurance (COI)?
A one-page summary from a vendor’s insurer showing its coverage types, limits and policy dates. It proves coverage exists but doesn’t change the policy itself.
Why does additional insured status matter?
It extends the vendor’s liability coverage to the property owner and manager for claims arising from the vendor’s work, so a contractor’s accident is paid by the contractor’s insurer first.
What insurance should vendors carry?
Usually general liability and workers’ compensation, plus auto liability when vehicles are involved, with higher limits for riskier trades such as roofing or electrical work. The property and its contracts set the exact requirements.
When should vendor certificates be checked?
Before work starts and again before each certificate expires. A certificate that was valid at signing can lapse in the middle of a contract.
Incident & Claims Management
4 questions
What’s the difference between an incident and a claim?
An incident is anything that happens at the property, like a leak or a fall. It becomes a claim when it’s reported to an insurer for payment. In InsuredAI, an incident can be escalated to a claim in one step.
How are claims kept up to date?
The claims agent reads adjuster emails and updates the claim automatically, and open tasks are tracked until the claim closes.
Do you help file claims?
Yes. As your broker, we help prepare the claim with the right documents and report it to the carrier.
Can I see claims across the whole portfolio?
Yes. Claims by property, cause and cost, with carrier loss runs read automatically and combined with open claims.
Property Risk Intelligence
3 questions
What is property risk intelligence?
Using signals such as environmental exposure, claims history, venue, property characteristics and resident feedback to spot risks like water damage or safety problems before they turn into insurance claims.
Which risks show up first in resident feedback?
Recurring leaks, mold and moisture, broken locks or gates, poor lighting and fire safety complaints are common early signs of future property and liability claims.
How does reducing risk affect insurance?
Fewer and smaller claims improve a property’s loss history, which underwriters weigh heavily at renewal.
Property Management Company Insurance
4 questions
Why does a property management company need E&O insurance?
Errors & omissions covers claims that your professional services caused a client financial harm, such as a missed renewal, an accounting error or a lease mistake. General liability doesn’t cover these.
What does crime or fidelity insurance cover for property managers?
Theft of money by employees or outsiders, including client funds such as rent and security deposits you hold.
Does general liability cover a data breach?
Generally no. Breach response, ransomware and data-related claims are covered by a cyber policy.
Is InsuredAI licensed to place business insurance?
Yes. InsuredAI is a licensed insurance broker in 49 states.
Book a demo
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