Coverage for San Diego property managers and their portfolios.
Leases, STRO licenses and owner agreements each put duties on the manager. Here is how firms in the City usually insure that work.
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City of San Diego rules that reach property managers
These come from the Office of the City Treasurer and apply within City limits.
| Rule | Who it applies to | Why it matters for coverage |
|---|---|---|
| Rental Unit Business Tax | Anyone who owns, operates or manages a rental in the City | Managers are named in the rule, not just owners |
| Short-term residential occupancy (STRO) license | Short-term rentals, Tiers 1 to 4 | Confirm each policy allows short-term use |
| Local contact | Every STRO license; must respond within 1 hour | A property manager may serve as the contact |
How we help San Diego management firms
We know the short-term rules
STRO tiers and local contact duties affect how a property is used, which affects how it is insured.
Owner certificates handled
We issue certificates and coordinate additional insured requests across your owners.
One team for the whole portfolio
The same San Diego team helps with renewals, new doors and claims questions.
What San Diego property managers ask us.
Does the Rental Unit Business Tax apply to property managers?
The City’s rule applies to anyone who owns, operates or manages a rental unit in the City of San Diego, so managers are within its scope.
Can a property manager be the local contact for a San Diego short-term rental?
Yes. A STRO license requires a local contact who responds within one hour, and a property manager can fill that role.
Do standard policies cover San Diego short-term rentals?
Not always. Some owner and manager policies exclude short-term rental activity, so it is worth checking each one before the property is listed.
Should my firm carry professional liability?
Many San Diego owners ask for it in management agreements. It covers claims that your services caused a financial loss, which general liability does not.
Do you work with managers across San Diego County?
Yes. We work with property managers throughout San Diego County, inside and outside City limits.
NPN #20649362 · Rock Meadow Insurance Services · Based in San Diego County, CA
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