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PBI Group
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RHODE ISLAND · PROPERTY MANAGEMENT

Property Management Insurance for Rhode Island firms.

Most generic real estate E&O leaves Rhode Island 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 Rhode Island Department of Business Regulation (DBR) — Real Estate Section.

We Love Our Clients

What our Rhode Island clients are saying

Showing stories from RI

Renewing our real estate E&O Insurance was made very easy by Paul at PBI Group. He sent the renewal form and then a gentle reminder when he didn't have it back

… within a couple of weeks. He was available and answered my questions quickly. I will definitely go back to PBI Group when the time comes to renew our E&O insurance policy.
Bob
Bob
Keller Williams Realty Leading Edge · RI

We have been with PBI Group for over 7 years and have been pleased with their competency, knowledge, and response.

… They have been helpful not only with E&O Coverage but with Cyber Insurance as well. They researched and found a carrier for cyber insurance when it was still an unknown coverage. Appreciate the level of service you provide us.
Carl
Carl
Keller Williams Realty Cranston · RI

Paul Bondy and the team at PBI Group have been excellent to work with over the years for my Rhode Island real estate E&O insurance!

Dean
Dean
HomeSmart Professionals · RI

We are so pleased with the level of service we have received from the PBI Group for our real estate E&O insurance.

… They make shopping, applying for, and obtaining E&O insurance for my Rhode Island real estate agency an easy process. The constant communication and follow-up are second to none. We plan on being with PBI Group for our real estate E&O needs for years to come. (2022 Update: This is our fourth year with the PBI Group and the level of service keeps getting better and better! The ease of renewal, the response time of getting questions answered, and the value are second to none. I would not hesitate to recommend the PBI Group!)
Kerri
Kerri
RE/MAX 1st Choice · RI

Paul was extremely knowledgeable and helpful in setting up the unique E&O policy we needed for our business.

… We plan to continue doing business with PBI in the future.
Phil
Phil
Multi State Realty, Inc. · RI

We have been working with Paul at PBI Group for my real estate E&O insurance for several years and have found him very knowledgeable, accessible, and has great

… pricing. We are so comfortable with him that we do not seek any other E&O quotes at renewal time.
Robert
Robert
Crossroads Real Estate Group · RI
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What makes PM E&O different in Rhode Island

Rhode Island property managers operate under Rhode Island Department of Business Regulation (DBR) — Real Estate Section rules. Trust account compliance, habitability, and tenant disputes are the most-cited claim categories. Generic agent-side E&O policies aren't built for these — PM-specific endorsements vary widely between carriers.

PBI Group's PM endorsement responds to the five common claim categories Rhode Island property managers actually face:

  • Failure to maintain — habitability complaints, repair tickets ignored, slip-and-fall on flagged hazards
  • Rent collection / eviction — wrongful eviction counterclaims, harassment allegations, security deposit disputes
  • Mismanaged trust accounts — regulator audit issues, commingling claims
  • Vendor selection — contractor negligence claims pulled into the PM's E&O
  • Owner disputes — disagreements over PM authority, fee structure, or reporting

Rhode Island regulator and PM-specific rules

Property managers in Rhode Island operate under Rhode Island Department of Business Regulation (DBR) — Real Estate Section. Trust account compliance is typically the most-audited area; our policy form responds to defense costs and regulatory representation in those proceedings, including the deposition phase that pure agent E&O often excludes.

Coverage written for the PM book

Most generic real estate E&O policies are written for the agent-side activity (listings, sales, dual agency). Property management exposures don't fit that mold. PBI Group's PM endorsement extends the policy form to:

  • Habitability / failure-to-maintain claims
  • Rent collection and eviction disputes
  • Trust account audit and regulatory defense
  • Vendor selection liability
  • Owner/PM contract disputes

How PM premium scales by door count

PM premium typically scales with door count, not headcount. We segment by units under management and mix of single-family vs. multi-family. Rhode Island firms operating between 100–500 doors fit the strongest premium tier under our program.

You'll be surprised how affordable the best can be.

Let PBI Group get you a quote — no fluff, no pressure, just a fair price for strong coverage.

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