Apartment Complex Insurance | BME Commercial Insurance
Insurance for Apartments, Condos, Hotels & Motels
From apartment buildings to condo and townhome associations, hotels, and motels, managing a busy property comes with constant demands, including maintaining it and addressing resident or guest concerns. With so much on your plate, protecting your investment should never be a question.
At BME Commercial Insurance, we’re a commercial insurance company proudly providing tailored coverage designed to safeguard your properties so you can focus on running your business without worrying about unexpected risks.
Why Residential & Hospitality Property Insurance is a Must-Have
As an apartment complex owner, condo or townhome association, hotel, or motel operator, you face countless risks, from fires to water damage, guest or tenant injuries, and unexpected property issues. While you can’t control everything, you can ensure you’re prepared with the proper insurance package.
The right commercial insurance policy serves as a safety net, protecting your assets and ensuring your operations run smoothly in the event of the unexpected.
Prioritize Protection with Comprehensive Commercial Property Insurance
Ensure your insurance needs are met with tailored coverage designed for the commercial-residential and hospitality industries, protecting property, employees, and guests from unexpected risks.
General Liability Insurance
Accidents are unavoidable in any commercial-residential or hospitality business. A hotel guest could slip in the lobby, a condo resident could be injured in a common area, or a tenant's visitor could accidentally damage another unit. General liability coverage shields you from claims of bodily injury or property damage on your premises. If a lawsuit is filed, this coverage helps with legal fees, medical expenses, and settlements, keeping your business financially secure.
Workers' Compensation Insurance
Your staff is essential to keeping your property running smoothly, whether handling maintenance, guest services, or administrative tasks. Workers' compensation insurance is specifically designed to ensure that medical expenses and lost wages are covered if an employee is injured on the job. From a maintenance technician hurt while repairing a plumbing issue to a hotel housekeeping staff member slipping in a hallway, we provide the right coverage to help your employees recover while ensuring your business remains compliant with labor laws and protects your financial well-being.
Commercial Auto Insurance
Operating multiple properties often means being on the move. Whether you use company vehicles for maintenance work, guest transportation, or property inspections, commercial auto insurance protects your business from liability in case of an accident. This coverage ensures that work trucks, service vans, and other business vehicles are protected in the event of collisions, theft, or damage.
Equipment and Tools Coverage
Keeping your property in top condition requires specialized tools and equipment, including everything from landscaping gear to HVAC repair tools. Equipment and tools coverage protects against theft, damage, loss, and equipment breakdown, ensuring you're never left scrambling to replace essential resources that keep your operations running efficiently.
Contract Liability Insurance
Contract liability insurance protects you from potential risks if you hire outside contractors for repairs, renovations, or maintenance. Whether a construction worker accidentally damages part of a hotel during a remodel or a maintenance contractor causes an injury while working in a condo complex, this coverage ensures you’re not held liable for third-party mistakes, negligence, or accidents.
Protect Your Investment with BME Commercial Insurance
From apartment complex insurance in Myrtle Beach, SC, to condo association, hotel, and motel insurance in Charleston, ensuring your property has the right insurance coverage is essential for protecting your assets, reputation, and business operations. BME Commercial Insurance offers customized apartment, hotel, and condo insurance policies that provide the protection you need to stay ahead of risks and liabilities.
Don’t wait for the unexpected to disrupt your livelihood. Whether you need apartment complex insurance, hospitality insurance, townhome association coverage, or hotel insurance, we have you covered. Contact us today to secure the best coverage policy for your South Carolina business.