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Oracle RMS Insurance

Real Estate & Property Management Insurance

Industry Insurance — Oracle RMS Insurance

Real Estate & Property Management Insurance

Insurance for landlords, real estate investors, and property management companies across Canada.

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Real estate investors and property management companies face a distinct set of insurance exposures — from slip-and-fall liability on managed properties to errors and omissions in property management services. Whether you own a single rental property or manage a large commercial portfolio, Oracle RMS can structure an insurance program that protects your assets, your income, and your professional liability.

Who needs this coverage?

Commercial and residential landlords, real estate investors, property management companies, strata and condo corporations, real estate developers, and real estate agents and brokers.

Key coverages

  • Commercial property (buildings)
  • Commercial general liability
  • Property management E&O
  • Directors & officers (condo/strata boards)
  • Rental income / loss of rents
  • Tenant legal liability
  • Crime and employee dishonesty
  • Umbrella / excess liability
  • Environmental liability

Frequently Asked Questions

What insurance does a landlord need in Canada?
Landlords need commercial property insurance for the building structure and commercial general liability for third-party injury and property damage claims. Rental income coverage protects against lost rent if the property becomes uninhabitable due to a covered loss.
What is property management E&O insurance?
Property management E&O covers claims alleging that your property management services caused financial loss — for example, failing to collect rent, improper tenant screening, or errors in lease administration. It is essential for professional property managers.
Does a condo corporation need D&O insurance?
Yes. Condo and strata board members can be held personally liable for decisions made on behalf of the corporation. D&O insurance protects board members from personal liability and is increasingly required by condo corporations' governing documents.
What is loss of rents coverage?
Loss of rents (or rental income) coverage reimburses you for rental income lost when a covered property loss makes your building uninhabitable. It is typically added as an endorsement to a commercial property policy and covers the period of restoration.
Do I need separate insurance for each rental property?
Not necessarily. A commercial property portfolio policy can cover multiple properties under a single policy with one renewal date. This simplifies administration and can provide better pricing than insuring each property separately.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.