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Property types
What changes when the asset changes. Multifamily, commercial, mixed-use, student and senior housing and build-to-rent each carry different occupancy, valuation and liability profiles.
Property management risk, organized by the question you are actually asking
Managing property means answering to more parties than almost any other commercial operation: owners, lenders, tenants, boards, vendors and carriers each impose requirements, and they do not always agree with one another. A management agreement can require coverage a policy does not provide. A declaration can require one thing and a lender another. Texas statute sets a floor for condominium associations that secondary-market lenders routinely exceed.
This Resource Center is the entry point to that material. It is organized into four subject clusters plus a glossary, so you can start from the question you have rather than from a coverage line you may not know the name of yet.
Start here if you are not sure where to begin. Read the cluster that matches your role — property type if you operate buildings, coverage if you are reviewing a program, risk management if you are reading a contract, community associations if you sit on or advise a board.
Elsewhere in this ecosystem: Property Management · Property types · Coverage · Risk management · Community associations · Glossary
The four clusters
Coverage
The coverages that exist because you manage property for other people — professional liability, management liability, crime and habitational property — and where the general commercial lines still apply.
Risk management
Moving risk to the parties who create it. Vendor requirements, certificates, additional insured status and the contract language that decides whether any of it works.
A certificate of insurance is evidence, not coverage
It is the single most common misunderstanding in property management. A certificate describes a policy on the day it was issued. It does not amend the policy, it does not create additional insured status, and it does not survive a cancellation you were never told about. The endorsement is what matters.
Governance and reference
HOA and community associations
Texas treats condominium associations and residential subdivision associations differently, and the difference is statutory. This cluster explains which regime applies to which association and what each one actually requires.
Property management glossary
Master policy, common elements, loss assessment, ordinance or law, property coinsurance. The terms that appear in declarations, management agreements and certificates — defined in the sense the document is using them.
Coverage audit
We read the policies, the management agreement and the vendor requirements together, and report where they disagree. No quote required.
Start with what your documents actually say
Send the policies, the management agreement and one representative vendor contract. We report where the requirements and the coverage do not line up.