Property Managers have enormous exposure to liability suits. This was pointed out ever so clearly by Vicki Gaskill, former President of the National Association of Residential Property Managers (http//:www:NARPM.com). The stories managers tell make your hair stand on end. So, for every challenge there is a solution. Call your Insurance Broker and ask questions about your coverage. Do you have enough, what is left out? We are advised to have a minimum of 2 mil in liability, and ask owners of the property you manage to put you on as "Additional Insured". It doesn't cost them anything. But some carriers just won't do it. Advice to us? Ask them to use a carrier who will, or don't take the account.