We serve Multi-family apartments

Renters Legal Liability® (RLL®) allows owners and managers to dramatically control property loss ratios. Clients may realize a potential discount on annual premiums from P&C carriers. RLL® also provides personal property coverage for the impacted residents and displacement costs, subject to program limits. RLL® allows residents to meet the owner/manager’s $100,000 property damage liability requirement. RLL® materially improves NOI and is a great marketing tool. The program synchronizes data from many popular property management software systems for a seamless operational exchange of information.

We serve Single-Family Rentals, too.

Renters Legal Liability® (RLL®) Single-Family Rentals assists owners/managers to manage risk and mitigate losses caused by single-family housing residents’ accidental acts. Through RLL® Single-Family Rentals, operators dramatically control their property loss ratios. RLL® Single-Family Rentals allows residents to meet the single-family rental provider’s $100,000 property damage liability requirement. RLL® Single-Family Rentals materially improves NOI and is a great marketing tool. The proprietary process synchronizes data from many popular property management software systems for a seamless operational exchange of information.

Students need protection from themselves.

Students Legal Liability® (SLL®) provides a property damage liability program that transfers risk and mitigates losses caused by students/residents. SLL® may be offered either on a per-bed or per-unit basis. Under SLL®, the owner/manager requires $100,000 of property damage liability protection. Students have the choice of participating in the SLL® program or may comply through a parent’s homeowner’s policy or a traditional renter’s insurance policy. SLL® provides personal property coverage for the impacted residents and displacement costs, subject to program limits. SLL® materially improves NOI and is a great marketing tool. The program synchronizes data from many popular property management software systems for a seamless operational exchange of information.

We work with more than rental properties.

Condominium Legal Liability® (CLL®) is a unique property damage liability product that protects condominium associations, HOAs and cooperatives (co-ops) from losses caused by damages originated by occupants. CLL® provides a $100,000 per occurrence damage liability coverage. There is a potential for preferred status with the association/HOA/co-op’s P&C carrier based on participation. Clients may realize a potential discount on annual premiums from P&C carriers. The CLL® program addresses the mutual-waiver-of-subrogation issue wherein the association/HOA cannot sue the occupant. Historically, the association’s/HOA’s only recourse has been to rely upon its own insurance policy and pursue restitution from the occupant responsible for the damages/losses. CLL® eliminates this difficult step since the association/HOA is primary on the coverage. CLL® transfers the financial costs and responsibility for occupant-caused damages at no cost to the association, HOA or co-op.

Serving the Senior Housing Community.

Senior Resident Liability® (SRL®) assists owners/managers of senior rental housing communities and facilities to manage risk and mitigate losses caused by senior housing residents' accidental acts. SRL® allows senior residents to meet the rental provider’s $100,000 property damage liability requirement. Through SRL®, operators dramatically control their property loss ratios and may receive favorable premium considerations from their P&C carriers. SRL® materially improves NOI and is a great marketing tool. The proprietary process synchronizes data from many popular property management software systems for a seamless operational exchange of information.

Protection for your home away from home.

The Vacation Legal Liability® (VLL®) program provides a security deposit alternative to cash security deposits for short-term vacation renters. The low-cost VLL® risk transfer mechanism results in lower entry costs for renters. High cash security deposits are barriers for vacation renters and create administrative hassles and headaches for vacation owners/managers. The VLL® model offers a $3,500 per occurrence policy limit for damage to the rental property without a deductible. The owner/manager is the named insured. Coverage is triggered by accidental acts of renters or guest. VLL® works directly with the owner/manager on getting their property repaired as soon as the claim is submitted. For a small one-time fee, renters can waive the security deposit requirement while having their stay covered under your VLL® policy. The maximum coverage period is 31 days per lease. Coverage begins at check-in and terminates upon checkout. The VLL® program improves profit margins for owners/managers by generating ancillary income and decreasing the administrative workload of collecting, managing, reconciling and dispensing cash security deposits. VLL® operates the entire process. Claims are administered by VLL® and paid directly on a replacement cost basis. Risk is transferred to VLL® and eliminates the administrative headaches for owners/managers.

RLL® services include:

No cost to the owner/manager for the RLL® program software, risk management tools or training materials

Proprietary software with online monitoring that tracks resident participation, updates databases and provides complete reports

Ongoing customer/IT support and training

Let’s talk.

RLL® protects property owners from accidental residents-caused damage, saving them millions of dollars. If that’s you, click that button.

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