Apartment complex

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Insure your Complex, Simplify your Life with Coverage Cowboy!

Apartment Complex Insurance from Coverage Cowboy is designed to provide your property with the protection it needs. From property damage to liability coverage, we understand the unique insurance needs of your apartment complex.

Our team of experienced insurance professionals will work with you to customize a policy that fits your budget and coverage needs. We’re here to help ensure your apartment complex is fully protected, so you can focus on what’s most important – your tenants.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

Check out more professions covered by Coverage Cowboy

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Apartment complex businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

An apartment complex needs general liability insurance because accidents can happen anytime, and when they do, it’s important to be prepared. For example, if a visitor slips on a wet floor in the lobby and gets injured, general liability insurance can cover the medical costs and any legal fees if the visitor decides to sue. It’s a protective shield that ensures the smooth operation of your business, even in the face of unexpected events.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Owning an apartment complex isn’t just about maintaining the buildings, but also ensuring the vehicles used for management tasks are protected. That’s where commercial auto insurance comes in handy. For instance, if your maintenance team uses a company truck to transport tools for repairs and it’s involved in an accident, this insurance can cover the repair costs, safeguarding your business from unexpected expenses.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Managing an apartment complex involves various tasks, like maintenance work, where a worker might get injured. Workers’ compensation insurance is a safety net for these scenarios, covering medical expenses and wages if an employee gets hurt on the job. For example, if a maintenance staff member falls off a ladder while fixing a roof, this insurance ensures they can afford proper care and still pay their bills, allowing your apartment business to continue running smoothly without financial strain.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Owning an apartment complex is a big responsibility, and commercial property insurance is a safety net that helps you manage this task. Imagine if a fire breaks out in one of your units, causing extensive damage; without insurance, you’d have to pay for these costly repairs out of pocket. But with commercial property insurance, you can rest easy knowing that you’re covered for these unexpected events, helping you maintain your property and keep your tenants safe.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Apartment complex business insurance

How does business insurance protect apartment complexes?

Business insurance for apartment complexes provides a safety net against a variety of potential losses and liabilities. This can include:

  • Property Damage: Covers the repair or replacement costs if your property is damaged due to events like fire, storm, or vandalism.
  • Liability Claims: Helps you in case a tenant or visitor gets injured on your property and decides to sue.
  • Loss of Income: Provides coverage for lost rental income if your property becomes uninhabitable due to a covered loss and your tenants have to move out.
  • Employee Injuries: If you have employees, Workers’ Compensation can cover their medical costs and lost wages if they get injured on the job.

At Coverage Cowboy, we’ll help you tailor a policy that fits your apartment complex’s unique needs.

What do I need to get an insurance quote?

Obtaining an insurance quote for your apartment complex is a breeze! Make sure you have the following details at hand:

  • Name and contact details of the apartment complex
  • Location and total square footage of the complex
  • Number of units
  • Construction type and age of the building
  • Current insurance coverage details, if any
  • Claims history, if any

Armed with this information, you’re ready to get a quote! Our team at Coverage Cowboy is ready to assist you in finding the best insurance for your apartment complex.

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.