Property management companies are among the best clients in snow removal. One relationship can mean a portfolio of buildings and steady multi year revenue. They are also the most demanding when it comes to insurance, because they answer to owners, boards and their own insurers.
What Property Managers Ask For
- High liability limits, commonly $5 million. See umbrella liability.
- The management company and each property owner named as additional insureds
- Completed operations included for additional insureds
- Waiver of subrogation and primary and non contributory wording
- Certificates for each property, sometimes with specific wording, before the season
- Workers compensation clearance. See workers compensation.
See certificates of insurance explained.
Indemnity Clauses
Management contracts often contain broad hold harmless language. Read it, have a lawyer review it, and ask your broker whether your policy's contractual liability coverage responds. See snow removal contracts and insurance.
Documentation Expectations
Property managers expect service reports, and their lawyers expect snow logs when a claim arrives. Systematic documentation is part of keeping these accounts.
The Program
General liability with slip and fall, fleet coverage, equipment insurance, salting and an umbrella. Many property management portfolios include condos, so see also condo and strata snow contractors.
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Frequently Asked Questions
Can my broker issue a certificate for each property in a portfolio?
Yes. Brokers routinely issue multiple certificates with the specific additional insureds each property requires.
What does primary and non contributory mean?
It means your policy responds first and the client's insurance does not share the loss. Your policy must support it.
Related Pages
- Commercial snow removal companies
- Insurance requirements for commercial snow contracts