The Hartford doesn’t offer real estate investor insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Real Estate Investor Insurance?
Real estate investor insurance is another name for small business insurance. It’s made up of different types of business insurance coverages to help protect you from the risks you face as you buy, manage, renovate, lease and sell properties. These risks can range from contractor injuries and property damage from a fire to a lawsuit for failing to disclose mold when you flipped a house.
Common types of coverage that can be part of a real estate investor insurance package include:
- Business Owner’s Policy (BOP)
- Professional liability insurance
- Commercial auto insurance
- Workers’ compensation insurance
Why Might You Need Real Estate Investor Insurance?
Real estate investor insurance is a collection of coverages designed to help you stay on your feet when something unpredictable happens. Delays, legal disputes and damages are some of the risks you face while maintaining a portfolio of buildings and properties. If you’re serious about protecting your investments, insurance coverage can help you plan for the what ifs.
Property investors' insurance can help protect your business from many potential risks, like:
- Tenant injuries: A visitor trips on unfinished flooring during a showing.
- Property damage: A fire breaks out in a unit under renovation.
- Contractor accidents: A roofer falls off a ladder on your jobsite.
- Equipment theft: Power tools are stolen from your locked trailer overnight.
- Lawsuits: A neighbor claims runoff from your property damaged their garden.
Real Estate Investor Insurance Coverages
When it comes to protecting your investments, you’ll want to ensure you have coverage that matches your potential risks. Many real estate investors have a Business Owner’s Policy (BOP) for the peace of mind it can provide. It combines three types of coverage into a single policy to help cover everyday risks you face during normal operations:
General liability insurance helps protect your real estate business from claims that it caused bodily injury or property damage to others. For example, if a prospective tenant trips on an uneven stair during a showing, this coverage can help.
Commercial property insurance helps protect the owned or rented building that you operate from as well as the tools and equipment you rely on. These can include:
- Computers
- Tablets
- Phones
- Hand and power tools
- Furniture
Business income insurance helps replace some of your lost income if you can’t operate temporarily due to damage caused by fire, wind or theft.
It’s important to know that a BOP won’t cover every kind of claim you may face while investing in real estate. You’ll need to get other types of insurance to create comprehensive protection for your business, such as:
Workers’ compensation insurance to help support your employees if they get a work-related injury or illness. This insurance can help pay their medical bills or replace lost wages if they can’t work.
Commercial auto insurance to help cover bodily injury or property damage claims from an accident that your business causes while using a company-owned vehicle for work.
How Much Does Real Estate Investor Insurance Cost?
The cost of real estate investor insurance varies because every business faces unique risks. Insurance companies may consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
Although The Hartford doesn’t offer coverage for real estate investors, here are the average costs our small business customers pay for common types of insurance. You can use this to help estimate your coverage costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The Hartford understands how important insurance coverage is for small business owners. That’s why we connect you with Tivly to help you get the coverage you need. To find out your specific real estate investment business insurance costs, get a free online quote online through Tivly.
General Liability Insurance
“During an open house at one of my properties, a visitor slipped on a rug and hurt her ankle. She had trouble walking, and we had to call an ambulance.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Landlord Insurance
“A severe rainstorm brought strong winds that caused a tree branch to fall on top of one of my rental properties.”
Landlord insurance can help pay to fix or rebuild a rental unit damaged by fires, storms or other covered events.
Workers’ Compensation Insurance
“My property manager fell through the flooring during a renovation, and he had to miss several weeks off from work to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages.
Professional Liability Insurance
“One of my listing agents was sued after a buyer claimed she didn’t disclose mold issues in a home we flipped.”
Professional liability insurance can help protect your business from claims that it caused a mistake in the services given. This insurance can help pay your legal costs if you’re sued, such as attorney fees, settlements or judgments.
Commercial Property Insurance
“My work laptop was stolen, and the files I lost set me back for weeks.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Vacant Property Insurance
“I just bought a multi-family house to flip when a fire in a neighbor’s home spread and caused significant damages.”
Vacant property insurance provides coverage for properties that are temporarily unoccupied, which is important for flips, new acquisitions or properties in-between tenants.
Get a Quote for Real Estate Investor Insurance Options
Find coverage that helps you stay profitable, protected and moving forward no matter what comes your way. Tivly can help you get the coverage you need.
Last Updated: November 6, 2025
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 Risk & Insurance, "Water Damage Claims Continue To Drive Non-CAT Property Losses”
3 National Safety Council, “Musculoskeletal Injuries”
4 U.S. Fire Administration, “Nonresidential Fire Estimate Summaries (2014-2023)
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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