Property Liability Insurance FAQs – JSSR Insurance Agency
Reduce the risk of lawsuits from slips, trips, falls, and other incidents on your premises. Below are clear answers for landlords, commercial property owners, HOAs, and small businesses across California (and AZ, WA, OR).
1) What is property liability insurance? ›
Property liability insurance helps pay for third-party bodily injury and property damage that occur on your premises. It also covers legal defense and settlements for covered claims against you.
2) Who needs this coverage? ›
- Landlords of single-family, multifamily, and mixed-use properties.
- Commercial property owners (retail, office, warehouses).
- HOAs/Property managers responsible for common areas.
- Small businesses with customer foot traffic (shops, salons, clinics).
3) What does it cover? ›
- Bodily injury (e.g., slip-and-fall on wet floors or uneven sidewalks).
- Property damage to others’ belongings caused by your negligence.
- Medical payments (no-fault) for minor injuries to guests and visitors.
- Legal defense costs, court fees, and settlements for covered claims.
4) What isn’t covered? ›
- Your building/contents (that’s Commercial Property/Landlord Property coverage).
- Employee injuries (Workers’ Compensation).
- Auto accidents (Commercial Auto; consider Hired & Non-Owned Auto if applicable).
- Professional services (Errors & Omissions / Professional Liability).
- Intentional acts or criminal activity.
5) Is property liability insurance required in California? ›
It’s not mandated by state law, but leases, lender agreements, and management contracts often require it. Even when not required, it’s strongly recommended to protect your assets from lawsuits.
6) How much coverage should I carry? ›
Many owners choose $1,000,000 per occurrence / $2,000,000 aggregate and add an umbrella for higher limits. We’ll align limits and wording to your lease, lender, or association requirements.
7) What affects the premium? ›
- Property type, size (sqft), and occupancy/foot traffic.
- Claims history and maintenance/safety controls (lighting, signage, handrails).
- Location (ZIP), building age/condition, and security/fire protection.
- Selected limits, deductibles, and contract requirements (AI/waivers).
8) How can I reduce liability risk and save money? ›
- Fix trip hazards; ensure adequate lighting and clear signage.
- Install cameras, alarms, sprinklers; document inspections and repairs.
- Require tenant insurance and obtain Certificates of Insurance (COIs).
- Implement snow/landscape contracts and incident reporting procedures.
- Bundle Liability with Property in a BOP when appropriate.
9) How is this different from Commercial Property insurance? ›
Property Liability handles injuries/damage to others on your premises. Commercial Property covers your building, fixtures, and contents against covered perils (fire, theft, etc.). Most owners carry both—often bundled in a BOP.
10) What endorsements should I consider? ›
- Additional Insured (landlords/associations), Primary & Non-Contributory, Waiver of Subrogation.
- Per-location aggregate for multi-property schedules.
- Hired & Non-Owned Auto if staff use personal/rental vehicles for errands.
- Assault & Battery or Liquor Liability for certain occupancies (where available).
11) Why choose JSSR Insurance Agency? ›
We’re an independent, local team serving Lathrop, Tracy, Santa Clara County, and beyond. We compare multiple carriers, tailor wording to your leases and lender requirements, and issue fast, compliant COIs—so you can operate with confidence.
12) How do I get a property liability quote today? ›
Call (209) 701-6900, email
Protect your property—and your peace of mind.
We’ll align coverage and endorsements to your leases, lender requirements, and occupancy risks, then shop top carriers for value.
Serving landlords, property managers, and businesses in Lathrop, Tracy, Santa Clara County, and across CA, AZ, WA, and OR.
