Threshold/Property Managers
For property managers · Portfolio risk

Your exposure is the worst-insured owner in your book.

When a guest is seriously hurt, the claim does not stop at the owner. It names the management company too. We review how insurance is actually handled across your portfolio, and show you where the gaps concentrate, before a claim finds them first.

Request a Portfolio Risk Review →Get the Owner Standards Kit ↓
The offer

The Portfolio Risk Review.

A structured review of how owner insurance is required, collected, and verified across your book. Not a sales call. A written read on where the portfolio actually stands.

01

Your management agreement

What your agreement actually requires of owners: policy type, limits, additional-insured status, notice of cancellation. Most agreements require far less than their managers assume.
02

Certificate collection and verification

How certificates of insurance come in, who checks them against the requirements, and what happens at renewal. A COI collected once at onboarding is a snapshot, not protection.
03

Additional-insured status

Whether your company is named on each owner’s liability policy, the single line that decides whose carrier steps forward when a guest claim names the manager.
04

Where the gaps concentrate

The portfolio-level pattern: which owners, property types, amenities, and states carry the thin coverage. Exposure does not spread evenly across a book. It clusters.
Deliverable: a written readout, ranked in plain language. What is solid, what is thin, and what to require going forward.
How we work

Through you. Never around you.

The readout is yours

The review is delivered to you, not your owners. What you do with it, tighten the agreement, set standards, have the hard conversations, is your call, on your timeline.

You catch the gaps

When owner coverage needs to improve, you are the one who found it. We stay behind the scenes. Managers who set insurance standards look sharper to owners, not pushier.

Analysis first, always

This is educational risk analysis, the same audit-first method we apply to single properties, scaled to a book. Where placement help is wanted later, we discuss what that looks like in your states.
Free resource

The Owner Insurance Standards Kit.

Minimum insurance requirements ready to build into your management agreement: required policy type, $1M/$2M liability limits, additional-insured status, notice of cancellation, a verification cadence, and sample agreement language. Figures are common baselines, adjust them to your market and have counsel review the final wording.

Download the kit (PDF) ↓

No email required. If it raises questions about your book, that is what the review is for.

Reading

For property managers.

Incident №013

The Complaint That Became an Audit

A fair housing complaint at one listing became a review of all nine properties. Why regulatory exposure scales with the book, and what a defensible record looks like.
Read the report →
Property Management

The One Line That Turns an Owner's Policy Into Your Shield

What additional insured status actually does when a claim comes, what it does not, and how to make the requirement real across a book.
Read article →
Property Management

The Renewal Is Where the Portfolio Gets Graded

The claim is the event. The renewal is the consequence. Why the coverage standard has to come from the party carrying the whole book.
Read article →
Incident №007

The Weakest Policy in the Portfolio

A guest injury at one property, an owner policy that denied, and a claim the manager’s own coverage absorbed. The case for a standard.
Read the report →
Property Management

Verifying Owner Coverage Before a Unit Goes Live

What to verify before the first guest checks in: policy type, limits, additional-insured status, and the renewal cadence that keeps it true.
Read article →
Property Management

The Five Risks That Keep STR Property Managers Up at Night

The exposures that put a manager’s whole book at risk, and the questions that surface them early.
Read article →
Property Management

Where Portfolio Liability Actually Concentrates

Adding a second property does not double your exposure. Liability clusters at points most operators have never mapped.
Read article →
Property Management

When an Owner’s Insurance Mistake Becomes the Property Manager’s Problem

How an owner’s coverage gap travels up the chain, and what managers can require before it does.
Read article →
Start here

Request a Portfolio Risk Review.

Tell us about the book. We will come back with how the review would run for a portfolio like yours, what we need from you, and what the readout covers. A conversation, not a commitment.

Prefer email? Reach us directly at info@thresholdstr.com.