--- title: "What should I send when an owner hires a property manager?" description: "Share the management agreement, address, occupancy, and each entity’s duties. Ask how proposed forms list the owner’s building interest, manager’s services, and property held for others." canonical: "https://spot.insure/industries/housing-and-real-estate/owner-and-manager-interests" page-type: "industry-faq" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/industries/housing-and-real-estate/owner-and-manager-interests) # What should I send when an owner hires a property manager? Share the management agreement, address, occupancy, and each entity’s duties. Ask how proposed forms list the owner’s building interest, manager’s services, and property held for others. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Small Business](https://content.naic.org/consumer/small-business.htm) Include who leases units, collects rent, arranges repairs, and handles tenant requests; ask the broker to reflect those tasks in the applications. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Small Business](https://content.naic.org/consumer/small-business.htm) ## Need Help Choosing Coverage? Spot prepares your applications, coordinates with brokers, and helps you compare quotes so you can choose coverage with the key details in front of you. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) [Read the Housing and Real Estate Insurance Buying Guide](https://spot.insure/industries/housing-and-real-estate) ## More Housing and Real Estate Questions - [How should a housing marketplace describe its work for a quote?](https://spot.insure/industries/housing-and-real-estate/housing-platform-quote-description) ## Coverage to Discuss - [Commercial property](https://spot.insure/coverage/commercial-property) - [General liability](https://spot.insure/coverage/general-liability) - [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) - [Cyber liability](https://spot.insure/coverage/cyber) - [Workers’ compensation](https://spot.insure/coverage/workers-compensation) - [Builders risk](https://spot.insure/coverage/builders-risk) ## Sources and Further Reading - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Form 700, revised June 14, 2024; commercial property, building ordinance or law, time element, inland marine, commercial general liability, and workers compensation sections. California DOI overview of building and business property, loss of rents, ordinance-or-law, general liability, and builder’s risk. - [Small Business](https://content.naic.org/consumer/small-business.htm) — National Association of Insurance Commissioners. What’s general liability? and What does general liability not cover?, lines 29–54; Other types of business liability insurance, lines 55–63; What is workers’ compensation?, lines 158–163. NAIC buyer explanations of property, general liability, professional E&O, and workers’ compensation; not policy wording. - [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity) — Federal Trade Commission. NIST Cybersecurity Framework section on managing cybersecurity risks and deciding whether cybersecurity insurance is appropriate. - [National Flood Insurance Program Summary of Coverage: Commercial Property](https://agents.floodsmart.gov/sites/default/files/media/document/2025-07/fema-nfip-summary-of-coverage-commercial-property-brochure-01-2024.pdf) — Federal Emergency Management Agency / National Flood Insurance Program. January 2024 General Property Form brochure: eligible property, PDF pages 2–3; coverage and deductibles, pages 3–4; exclusions, page 7; policy contract note, page 9. NFIP General Property Form categories, separate building/contents treatment, and stated exclusions; eligibility and policy wording still need confirmation. - [Waterfront Resilience Story Maps](https://www.sfport.com/wrp/story-maps) — Port of San Francisco. Waterfront Resilience Story Maps overview and linked subarea resources. Port of San Francisco subarea planning context for waterfront flood and earthquake studies, not parcel-specific insurance evidence. Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms, the actual contract, and applicable law determine coverage and requirements. Updated 2026-09-28. [Editorial Policy](https://spot.insure/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://spot.insure/industries/housing-and-real-estate/owner-and-manager-interests.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)