Integrated General Liability and Errors & Omissions for property managers and association managers with operations in California, New York, Texas & Florida.
Purpose-built for professional property managers handling residential, mixed-use, and HOA/COA portfolios in CA, NY, TX & FL.
We understand the difference between managing two small buildings in Brooklyn, a scattered SFR portfolio in Texas, a coastal HOA in Florida, and a mixed-use asset in downtown Los Angeles.
FXM Risk designs GL and Professional Liability programs for:
Whether you manage 50 doors or 5,000+, we can align your liability coverage with owner expectations, lender requirements, and how you structure your entities.
We are currently prioritizing programs for property managers in:
Have doors in multiple states? We regularly work with portfolios that cross state lines and carrier jurisdictions.
General Liability is the foundation of your liability program. It responds when third parties allege bodily injury, property damage, or personal & advertising injury from your operations as a property manager.
We help you align who is named and who is additional insured (management company, LLCs, associations, and owners) so leases, management agreements, and certificates match how you actually do business in CA, NY, TX & FL.
Professional Liability (Errors & Omissions) responds to allegations that your professional services as a property manager caused a financial loss.
We design limits, deductibles, and endorsements that reflect your portfolio size, contract terms, and risk tolerance—so you're not left self-insuring the most expensive part of a claim: the allegation that you "should have known better."
Many serious claims involve both premises conditions and professional judgment. FXM Risk looks at your GL and E&O together, not as isolated policies.
We work with property managers, association boards, asset managers, and owners across California, New York, Texas & Florida. Our goal is simple: keep you insurable, compliant, and profitable—while reducing surprises.
We understand management agreements, leases, lender requirements, and vendor contracts—and how they drive your insurance obligations.
We look at your entire liability picture, not one policy at a time, and build programs that scale as your door count grows.
We work with national and specialty carriers that understand property management exposures in CA, NY, TX & FL.
We help align certificates and additional insured language with your PMA, leases, and vendor agreements to avoid gaps.
Need a COI today? Have a tricky owner requirement? You get direct access, not a generic call center queue.
From incident reporting to documentation and carrier coordination, we help keep loss history under control and renewal options open.
Property management is paperwork heavy. We help you stay ahead of it so you can spend more time on operations and owner relationships.
We can help you build a simple insurance requirements template for:
That way, insurance becomes a supporting system for your process—not a last-minute fire drill.
Every portfolio is different, but these are the questions we hear most often from property managers across CA, NY, TX & FL.
Share a few details below. We'll review for gaps and options specific to CA, NY, TX & FL and follow up with you directly.
Prefer email? Send your information and current policies to:
andrew@fxmrisk.com
Or call/text Andrew Murphy directly at 917-538-6419 to discuss your program.
Whether you're shopping for the first time or unhappy with your current carrier, we're here to help. Reach out today for a no-obligation consultation on GL, Professional Liability, and umbrella options in CA, NY, TX & FL.