Moore Multifamily
WHY IT MATTERS
What Does General Liability Insurance for Apartments Cover?
General liability insurance for apartments covers three main things:
Bodily Injury
A tenant or visitor slips, falls, or gets hurt in a common area. Your policy pays their medical bills and covers legal costs if they sue. Slip‑and‑fall incidents on icy walkways, wet floors, or broken stairs are among the most common claims.
Property Damage to Others
Your building causes damage to someone else’s property. For example, a water leak from your unit damages the neighboring apartment. Or falling debris scratches a tenant’s car. General liability covers the repair or replacement costs.
Legal Defense Costs
Even if a lawsuit has no merit, you still need to defend yourself. Court fees, attorney bills, and expert witness costs add up quickly. Your general liability policy handles those expenses.
“What does it not cover? Damage to your own building (that is, property insurance), injuries to your employees (workers’ comp), and your business vehicles (commercial auto). You need a full insurance package, not just one policy.”
COVERAGE OPTIONS
Who Needs This Coverage?
Apartment building owners
If you own a duplex, a fourplex, or a 100‑unit complex, you face daily risks. Lenders require general liability insurance. Even without a mortgage, you need protection.
Property management companies
You manage buildings for others. A tenant or visitor can sue you directly. Your own policy is separate from the owner’s policy.
Real estate investors
You own multiple properties. A single claim on one building can threaten your whole portfolio. General liability consolidates your protection.
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What Does Moore Multifamily Offer?
We specialise in general liability insurance for apartments. That means we know the risks, the lenders, and the carriers.
A‑rated carriers – We only work with financially strong insurance companies.
Lender‑ready certificates – We include your lender as an “additional insured” so you pass compliance checks.
Simple renewal process – We remind you 60 days ahead. No lapses. No surprises.
How Much Does It Cost?
Pricing depends on:
Number of units
Building age and condition
Amenities (pool, gym, playground)
Past claims history
Location
We can give you a free, no‑obligation quote in 24 hours.
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