NARPM Nashville Chapter | Additional Interest vs. Additional Insured

Lessons from the Field: Real Risks, Real Consequences
Our speaker, a former NARPM National President and veteran of the property management industry, has seen firsthand how costly this mistake can be. In this session, they’ll share real-world stories of managers who faced significant legal and financial challenges, all because they assumed they were properly covered. Through these examples, you’ll learn why relying on assumptions is dangerous and how easily this risk can be mitigated. This isn’t just a technical insurance issue—it’s a matter of professional survival.

Recent audits of owner insurance policies revealed a troubling trend: only about 25% properly list Property Managers as Additional Insured. That means three out of four managers are unknowingly unprotected in the event of a third-party claim. This session will unpack the findings and highlight the dangerous assumptions many managers are making. More importantly, it will provide simple, actionable steps you can take to correct this issue and ensure you're not left exposed in the case of a legal dispute. If you’re managing properties and relying on owner coverage, you need to hear this.