E&O
Leasing, management, representation and professional services can create financial-loss allegations.
Real estate & property management
Protect the professional decisions, properties, data and vehicles behind the portfolio.
Real-estate and property-management firms can combine professional-service exposure with premises, tenant, vendor, cyber and driving risks.
Coverage in context
Build the policy around the operation—not a generic label.
Availability, eligibility, forms, endorsements, limits and pricing vary by carrier and risk. NIS reviews the operational facts first so the submission can be routed to appropriate markets.
General liability
Office, managed-property and operational liability responsibilities should be mapped carefully.
Cyber
Applications, tenant/customer data, payment information and vendor communication create cyber exposure.
Commercial auto / hired & non-owned auto
Property visits and employee driving may need review even when the company owns no vehicles.
Umbrella
Additional limits may be relevant for larger portfolios, contracts or severity exposures.
Before quoting
Information that helps underwriting move faster
- Services performed: brokerage, management, leasing or association work
- Units/properties under management
- Annual revenue and payroll
- Client/tenant funds handled
- Vendor/subcontractor procedures
- Employee driving and owned vehicles
- Contracts, COI requirements and loss history
Account rounding
Related coverages to review together
Questions to ask
Common questions
Does a certificate prove a vendor meets a property manager’s contract?
No. A certificate is evidence of coverage and does not amend the policy or guarantee contract compliance. Required endorsements and limits should be verified against the policy.
Why consider hired and non-owned auto?
Employees may drive personal or rented vehicles for business errands or property visits. That exposure is different from insuring owned commercial vehicles.
Business intake
Start an Arizona business insurance review
Tell us how the business operates once. We will use that information to search available markets and validate coverage options. Please allow approximately 24–48 hours for most reviews; complex commercial risks may require additional underwriting time. Detailed underwriting and sensitive documents move to secure agency/carrier workflows after this first step.