Texas Property Management & HOA Managers Insurance
Underwriting brief for Texas residential property managers (4,351 active Texas establishments across 73 counties). We compare 30+ TDI-admitted and specialty commercial carriers for property management with fast Certificate of Insurance (COI) turnaround.
Texas Property Management Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 531311 — Residential Property Managers
- NCCI Workers' Comp Codes
- 9015 (Building Operations / Property Mgmt), 8742 (Leasing)
- ISO GL / Coverage Form
- 67010 (Property Managers) + Property Managers E&O
- Texas Regulator / Spec
- TREC Property Management Licensing & Texas Property Code Ch. 92
Texas property managers leasing/collecting rent for third parties must hold a TREC broker license and carry E&O, Tenant Discrimination, Trust Account Crime, and GL.
Where Property Management Cluster in Texas
- Harris: 812 firms (18.7% of TX) • 10,329 employees
- Dallas: 582 firms (13.4% of TX) • 10,445 employees
- Travis: 463 firms (10.6% of TX) • 4,827 employees
Primary Loss Exposures
- Wrongful eviction, Texas Property Code §92 security-deposit disputes, and Fair Housing complaints.
- Maintenance staff injuries and negligent-security claims at managed apartment complexes.
- Owner trust-account embezzlement or ACH rent-portal redirection.
Key Endorsements We Verify
- Property Managers E&O including Tenant Discrimination / Fair Housing & Lockbox coverage
- Trust Account / Third-Party Crime Bond protecting owner rent and security deposits
- Blanket Additional Insured status on every landlord's DP-3 or Commercial Property policy
Property Management Insurance FAQs
If the property owner already has Landlord DP-3/Commercial insurance, why do I need my own GL?
The owner's policy covers the building, not your management company's independent liability—always require owners to name you as Additional Insured AND carry your own GL + E&O.
Does Property Management E&O cover Fair Housing / ADA complaints?
Only if Tenant Discrimination coverage is included—standard Real Estate E&O frequently excludes or caps discrimination claims.
What protects our firm if an employee steals from the owner trust account?
A Commercial Crime / Fidelity Bond covers employee dishonesty and trust-account embezzlement.
Do we need Workers' Comp for our in-house maintenance techs?
Yes—maintenance, pool, and make-ready work carries high injury frequency (NCCI 9015).