Even though I told Paul I was not expecting to switch E&O carriers, he offered to help for free by just explaining more about the policy we were buying through
Property Management Insurance for California firms.
Most generic real estate E&O leaves California 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 California Department of Real Estate (CalDRE).