Most generic real estate E&O leaves South Carolina property managers exposed. PBI Group writes a PM-specific endorsement that responds to failure-to-maintain, habitability, rent collection disputes, and mismanaged deposit claims under South Carolina Real Estate Commission.
South Carolina property managers operate under South Carolina Real Estate Commission rules. Trust account compliance, habitability, and tenant disputes are the most-cited claim categories. Generic agent-side E&O policies aren't built for these — PM-specific endorsements vary widely between carriers.
PBI Group's PM endorsement responds to the five common claim categories South Carolina property managers actually face:
Property managers in South Carolina operate under South Carolina Real Estate Commission. Trust account compliance is typically the most-audited area; our policy form responds to defense costs and regulatory representation in those proceedings, including the deposition phase that pure agent E&O often excludes.
Most generic real estate E&O policies are written for the agent-side activity (listings, sales, dual agency). Property management exposures don't fit that mold. PBI Group's PM endorsement extends the policy form to:
PM premium typically scales with door count, not headcount. We segment by units under management and mix of single-family vs. multi-family. South Carolina firms operating between 100–500 doors fit the strongest premium tier under our program.
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