About Rockwater Insurance Agency, LLC
Rockwater Insurance Agency is a young aggressive agency ready to tackle your insurance needs. We have over 15 years of experience in business insurance and employee benefits coverages with specialties in oil/gas contracting, environmental programs, trucking/transportation, property management and contractors. Although we are located in Houston, TX, our coverage programs extends throughout the United States.
We carefully select our carriers to help our clients find the best coverage, best service and best price. Our main advantage as an independent agent is that we work to satisfy your needs. We value educating our clients with coverage options and tailor programs which best fits their business needs.
Additional Insurance Services
At Rockwater Insurance, we provide in house specialty services for our clients, beyond their insurance needs. We also offer a variety of business management, safety and training programs.
Errors and Omissions Insurance (E&O)
Property management firms have many exposures that can lead to a lawsuit. Dealing with boards of directors, owners, residents, employees, vendors, and regulatory authorities can and often does lead to lawsuits.
Errors and omissions liability insurance protects property management firms if a client alleges that you were professionally negligent or failed to perform professional duties.
Commercial Property Insurance
Property management firms may face serious financial consequences from property loss by fire, wind or other causes.
A business owners policy (BOP) or package policy providing commercial property insurance will provide coverage for damage to a building you own, along with coverage for personal property and income lost due to a covered cause of loss.
Property management firms can be sued for injuries or property damage at their office and sometimes at the properties they manage.
General liability insurance is an absolute necessity for any property management firm. It provides coverage for legal fees and judgments when the firm is named in a covered lawsuit for bodily injury, property damage, associated medical costs, and more.
Crime and Fidelity Coverage
As a property management firm, you have access to your clients’ money. Illegal activity such as forgery or theft can occur.
Crime and fidelity coverage is designed to provide coverage for theft of not only money and personal property owned by the firm, but money that the firm has in their custody for their clients.
Cyber Liability Insurance
Property management firms have exposures including the need for protection of privacy, data and financial information for their clients. Breach of data can result in costly fees and lawsuits for the association if held liable.
Cyber liability coverage covers fees and lawsuits resulting from the breach of personal data in the event your firm is liable.
Hired and Non-Owned Auto Liability Insurance
Property managers must drive to the sites they manage regularly. Accidents can and do happen. If an employee were to get into an auto accident while working, the management firm could be named in a suit by the injured party.
If any automobiles are owned by the property management firm, a commercial auto insurance policy should be obtained. In addition, hired and non-owned auto liability should be maintained in any case to provide coverage in the event an employee gets into an accident while using their own car.
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