Insurance for Real Estate Owners, Property Managers & Condominium / Strata Corporations
From single properties to large portfolios, we help you protect and scale your real estate investments with the right structure in place.
Protecting the Assets Behind Your Investment
Real estate is one of the most stable and scalable ways to build long-term value — but it also comes with a wide range of risks that need to be properly managed.
From tenant exposure and property damage to liability and income loss, insurance needs to be structured around how your properties are owned, operated, and managed.
At Coughlin Insurance, we work with property owners, developers, property managers, and condominium / strata corporations across Western Canada to build insurance programs that reflect how real estate portfolios actually operate. Whether you’re purchasing your first rental property or managing a growing portfolio of multi-unit residential and commercial assets, we help ensure your coverage keeps pace with your growth.
What We Cover
We provide tailored insurance solutions for real estate operations, including:
- Commercial Property Insurance
- General Liability
- Rental Income / Business Interruption
- Condominium & Strata Corporation Insurance
- Builder’s Risk (for new construction and renovations)
- Umbrella & Excess Liability
- Environmental Liability (where applicable)
Who We Work With
We support a wide range of real estate clients across Western Canada, including:
- Individual real estate investors
- Multi-unit residential property owners
- Commercial property owners
- Developers and builders
- Property management companies
- Condominium and strata corporations
From a single duplex or 6-plex to a multi-phase development, condominium complex, or diversified real estate portfolio, we structure insurance programs that evolve with your assets.
Condominium & Strata Corporation Insurance
Condominium and strata corporation insurance requires a more specialized approach than standard property coverage.
Often referred to as “strata insurance” in British Columbia and “condominium corporation insurance” in Manitoba and other provinces, these policies are designed to protect shared property, common areas, and the corporation itself.
Key considerations typically include:
- Coverage for common property and shared building components
- Liability exposure for condominium boards and strata councils
- Deductible structures and allocation between unit owners and the corporation
- Bylaws, reserve funds, and governance considerations
- Increasing claims costs and evolving insurance market conditions
We work closely with boards, property managers, and owners to ensure coverage is structured properly and aligned with current market realities — helping avoid gaps that can lead to significant out-of-pocket exposure.
Common Risks & Considerations
Real estate insurance goes beyond simply covering the building. Key considerations include:
- Tenant-related liability exposure
- Property damage from fire, water, or severe weather events
- Loss of rental income during insured events
- Vacancy considerations and changing occupancy levels
- Construction and renovation exposures
- Environmental risks depending on property type
- Shared property and governance risks within condominium and strata corporations
Properly structuring coverage around these risks is critical to protecting both your immediate income and long-term asset value.
Operational Areas We Consider
A strong real estate insurance program needs to reflect the full scope of your portfolio, including:
- Property type (residential, commercial, mixed-use)
- Ownership structure (individual, corporation, partnership, condominium/strata)
- Number of units and locations
- Tenant profile and occupancy
- Property management structure
- Development and expansion plans
We take a practical, portfolio-level approach to ensure your insurance evolves as your assets grow.
Why Choose Coughlin Insurance?
We understand that real estate is a long-term investment — and your insurance program should support both stability and growth.
Experience across residential, commercial, and mixed-use real estate
Strong understanding of condominium and strata insurance structures
Access to insurers that specialize in real estate portfolios
Ability to scale coverage as your portfolio grows
Practical advice aligned with your investment and management strategy
Frequently Asked Questions
What insurance do I need for a rental property?
Typically, property insurance, liability coverage, and rental income protection are key components.
What is condominium or strata corporation insurance?
It covers the building, common property, and liability for the corporation, separate from individual unit owner policies.
Does insurance change as my portfolio grows?
Yes — as you acquire more properties, coverage structure, limits, and insurer selection become more important.
What is rental income coverage?
It protects lost income if a property becomes uninhabitable due to an insured loss.
Let’s build a program that protects your properties and supports your growth.
