Multi family

Save up to 30% on your business insurance

Insure your Multi-Family Property: Because home is where the herd is!

Welcome to Coverage Cowboy, where we understand the complexities of insuring multi-family properties. We specialize in providing comprehensive insurance solutions that protect your property, tenants, and income.

Whether you own a duplex, apartment complex, or any other type of multi-family housing, we will guide you to the right insurance policy. At Coverage Cowboy, we’re dedicated to safeguarding your investment with tailored coverage that meets your specific needs.
  • General Liability
  • Workers' Compensation
  • Commercial Property

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

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


General Liability

Bought by 95% of business owners like you

Owning a multi-family property, like an apartment complex, comes with its own set of challenges. General liability insurance has your back by protecting from potential financial losses if someone gets injured on your property, for instance, if a tenant slips on a wet floor in the lobby. It’s a safety net that helps ensure your business can keep going, even when unexpected events occur.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Owning a multi-family property business means handling many responsibilities, but one thing you shouldn’t worry about is transportation mishaps. Commercial auto insurance ensures that whether it’s a maintenance truck that accidentally backs into a tenant’s car or a company van involved in a road accident, your business won’t carry the financial burden. Think of it like a safety net for your fleet, keeping your business rolling smoothly even when unexpected bumps occur.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Running a multi-family property business is a lot like juggling; there are numerous balls in the air at once. Workers’ compensation insurance is the safety net you need when an unexpected accident happens, like a maintenance staff member getting hurt while repairing a tenant’s leaky faucet. This insurance not only protects your business from financial strain but also ensures your employees get the medical help and wage replacement they need, keeping your business juggling smoothly.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is a must-have for multi-family building owners. For instance, if a fire breaks out in one of your apartment units, this type of insurance can help cover the costs of repairing the damage, without you having to dig into your own pockets. It’s like a safety net, keeping your business secure even when unexpected events happen.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Multi family business insurance

How does business insurance protect multi-family properties?

Business insurance for multi-family properties provides a safety net for a variety of unexpected events, such as:

  • Property Damage: Covering the cost of repairs or replacement if your property is damaged by events like fire, storm, vandalism, or certain types of water damage.
  • Liability Protection: Covering legal expenses if a tenant or visitor gets injured on your property and you are found legally responsible.
  • Loss of Income: Providing financial assistance if you lose rental income due to a covered loss, like a fire, that makes the property uninhabitable.

At Coverage Cowboy, we understand the unique risks associated with owning and managing multi-family properties. Let us help you find the right business insurance to protect your investment.

What do I need to get an insurance quote?

To get a multifamily insurance quote, we’ll need a bit of information about your property. This includes:

  • The address and square footage of the property
  • The number and types of units (e.g., apartments, condos)
  • Construction details (e.g., year built, type of construction)
  • Current insurance information, if any
  • Any recent renovations or upgrades
  • Any additional features (e.g., pool, gym, security systems)

With these details in hand, you’re ready to request a quote from Coverage Cowboy, where we’re committed to helping you find the best insurance policy for your multifamily property.

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.