Property Management Insurance in San Diego
Insurance for San Diego Property Managers & Associations
San Diego's rental market runs from beach communities and downtown high-rises to large HOAs inland. Property managers and associations in San Diego, Chula Vista, Oceanside, Carlsbad and Escondido handle coastal exposure, short-term rentals, a large military tenant base and brush-area wildfire risk in the eastern county.
Callidus Insurance Solutions insures property managers, apartment owners and HOAs across San Diego County. We place general liability, errors and omissions, property, umbrella, crime and workers' compensation coverage, and we turn certificates around fast for owners, lenders and vendors. Already insured? Send us your declarations pages and loss runs 90 days before renewal and we will take your portfolio to market.
Why San Diego Property Managers Partner with Callidus
Portfolio-Wide Expertise
We understand the different insurance needs of apartments, HOAs, condos, and commercial buildings, and can help structure coverage for your diverse portfolio.
E&O Specialists
We know that your biggest risks often come from professional decisions. We provide robust Errors & Omissions coverage to protect you from claims of negligence or wrongful acts.
Risk Mitigation Advice
We work with you to identify potential liabilities on your properties, from tenant safety issues to data security, helping you prevent claims before they happen.
Dedicated Service
You get a dedicated agent who understands the property management industry and can provide certificates, answer board member questions, and handle claims efficiently.
Key Insurance Coverages for Property Management:
- General Liability Insurance: Essential protection against claims of bodily injury (e.g., a slip-and-fall in a common area) or property damage occurring on the properties you manage.
- Commercial Property Insurance: Insures the physical buildings and common property against losses from fire, storm, theft, and other perils.
- Errors & Omissions (E&O) Insurance: A critical policy that protects you from lawsuits alleging negligence in your professional services, such as wrongful eviction, discrimination, or failure to properly screen tenants.
- Directors & Officers (D&O) Insurance: A must-have for HOAs and Condo Associations. Protects board members from personal liability for decisions they make on behalf of the association.
- Workers' Compensation: Covers your leasing agents, maintenance staff, and other employees if they are injured while working.
- Cyber Liability Insurance: Protects you from the costs of a data breach involving sensitive tenant or owner information (e.g., social security numbers, bank accounts).
- Hired & Non-Owned Auto Liability:
Provides liability coverage if an employee is in an accident while using their personal vehicle for company business, like going to the bank or a hardware store.
We Specialize in Managing Risk For:
- Apartment Complexes
- Homeowners Associations (HOAs)
- Condominium Associations
- Commercial Office Buildings
- Retail Centers & Strip Malls
- Mixed-Use Developments
Secure Your Portfolio. Solidify Your Reputation.
Managing property in San Diego County? Send us your current policies and loss runs, and we will build a master insurance program around your portfolio.