What many people don’t know is that Personal Injury coverage is often excluded from Property Managers E&O coverage forms.  This can be a huge coverage gap for unknowing agents and their insureds.  Clauses impacting personal injury coverage can be found in the definition of “Wrongful Acts”, the insuring agreement, endorsements or in the definition of “Loss/Damages”.  Personal Injury coverage for Property Managers is often modified on GL and BOP forms as well.   Double-checking policies to ensure that the correct coverage features are present is a bit easier when you know what to look for.  If you have any questions, feel free to contact our knowledgeable Underwriters!

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