How We Partner With You
We go beyond policies to deliver clear risk guidance, responsive service, and tailored insurance programs designed around your business goals.
Understanding
We take the time to fully understand your operations, exposures, contractual requirements, and long-term goals. By learning how your business truly functions day to day, we design insurance strategies that align with your real-world risk and support sustainable growth not just today, but as you scale.
Communication
We believe strong partnerships are built on proactive, transparent communication. Our team works closely with you, your carriers, and key staff to keep everything aligned and moving efficiently. Through our secure client portal, you have 24/7 access to policies, certificates, and critical documents giving you clarity and control whenever you need it.
Trusted by 1,000+ Businesses Nationwide
We have helped over 1000 clients with their insurance needs. Join our satisfied customers and let us help you too.
Years in business
24+
Policies written
5000+
Customer RETENTION
97%
Property Managers: Coverage & Policy Solutions
Comprehensive protection for residential and commercial property managers including general liability, E&O, cyber liability, and loss of rents coverage.
Residential Property Management Companies
Commercial Property Managers
HOA Management Firms
Condo Association Managers
Apartment Management Companies
Mixed Use Property Managers
Retail Property Managers
Office Building Managers
Industrial Property Managers
Short Term Rental Managers
REO Property Managers
Real Estate Asset Managers
Leasing & Tenant Placement Firms
Facilities Management Companies
Student Housing Managers
Senior Housing Managers
Vacation Rental Management Firms
Affordable Housing Managers
Self Storage Facility Managers
Real Estate Portfolio Managers
General Core
Policies Required
General Liability Insurance
Professional Liability (Errors & Omissions)
Commercial Property Insurance
Workers Compensation
Business Owners Policy (BOP)
Employment Practices Liability (EPLI)
Cyber Liability Insurance
Commercial Auto Insurance (if applicable)
Umbrella / Excess Liability
Crime / Fidelity Bond Coverage
Recommended Additional Coverages
Loss of Rents Coverage
Directors & Officers (D&O) Insurance
Tenant Discrimination Coverage
Environmental / Pollution Liability
Equipment Breakdown Insurance
Flood Insurance
Earthquake Insurance
Inland Marine Coverage
Hired & Non Owned Auto
Fiduciary Liability Insurance
Common Contractor Endorsements
Additional Insured Endorsement
Waiver of Subrogation
Primary & Non Contributory
Blanket Additional Insured
Ongoing Operations Endorsement (CG 20 10)
Completed Operations Endorsement (CG 20 37)
Per Project Aggregate
30 Day Notice of Cancellation
Notice of Cancellation to Management Company
Property Manager Additional Insured Status
Meet Our Management Team
Our management team brings decades of industry expertise, guiding clients with clarity, integrity, and a commitment
to long term partnerships.
TODD KOHOUT
Founder & Principal Advisor
ELIZABETH E. WARREN
President
CARLA SCHWINNE
Director of Operations
JACK SARGENT
President, Transportation
& Logistics
TRISH SANDERS
Senior Account Executive
CHRISTINA WRIGHT
Account Executive
“The team’s creativity, attention to detail, and prompt communication made the entire process a breeze. Our online presence has never looked better. Highly recommend!”
Ethan Mitchell
F.A.Q.
Frequently Asked Questions
Yes. Professional liability, also known as Errors and Omissions insurance, protects property managers from claims related to negligence, mismanagement, lease disputes, and failure to maintain properties properly.
Most property management companies need general liability, E&O insurance, workers compensation, and commercial property coverage. Many property owners also require managers to carry umbrella and cyber liability coverage.
General liability covers bodily injury and property damage claims. However, tenant lawsuits related to discrimination, mismanagement, or lease disputes typically require professional liability or tenant discrimination coverage.
Property managers handle sensitive tenant data including Social Security numbers, bank information, and payment records. Cyber liability insurance protects against data breaches, ransomware attacks, and regulatory penalties.
Where We Operate
T. Hudson Risk Advisors is an insurance advisory firm licensed across the South and Southeast, providing risk management and insurance solutions for organizations operating across multiple states. Our primary service region is supported by active state licensing, with nationwide incidental insurance coverage available where permitted by law and subject to carrier authorization and regulatory requirements.
Alabama Cities
- Birmingham
- Montgomery
- Mobile
- Huntsville
- Tuscaloosa
- Hoover
- Dothan
- Auburn
- Decatur
- Madison
- Florence
- Gadsden
- Vestavia Hills
- Prattville
- Phenix City
- Opelika
- Enterprise
- Homewood
- Alabaster
- Northport
- Pelham
- Bessemer
- Daphne
- Fairhope
- Selma
Arkansas Cities
- Little Rock
- Fort Smith
- Fayetteville
- Springdale
- Jonesboro
- North Little Rock
- Conway
- Rogers
- Bentonville
- Pine Bluff
- Hot Springs
- Texarkana
- Sherwood
- Jacksonville
- Russellville
- Benton
- Paragould
- Blytheville
- Searcy
- Cabot
- Van Buren
- El Dorado
- Bella Vista
- Maumelle
- Mountain Home
California Cities
- Los Angeles
- San Diego
- San Jose
- San Francisco
- Fresno
- Sacramento
- Long Beach
- Oakland
- Bakersfield
- Anaheim
- Santa Ana
- Riverside
- Stockton
- Irvine
- Chula Vista
- San Bernardino
- Modesto
- Fontana
- Santa Clarita
- Oxnard
- Moreno Valley
- Huntington Beach
- Glendale
- Santa Rosa
- Ontario
Colorado Cities
- Denver
- Colorado Springs
- Aurora
- Fort Collins
- Lakewood
- Thornton
- Arvada
- Westminster
- Pueblo
- Greeley
- Boulder
- Centennial
- Longmont
- Loveland
- Grand Junction
- Broomfield
- Castle Rock
- Commerce City
- Parker
- Littleton
- Brighton
- Englewood
- Wheat Ridge
- Lafayette
- Erie
Florida Cities
- Miami
- Orlando
- Tampa
- Jacksonville
- St. Petersburg
- Hialeah
- Tallahassee
- Fort Lauderdale
- Cape Coral
- Port St. Lucie
- Pembroke Pines
- Hollywood
- Gainesville
- Miramar
- Coral Springs
- West Palm Beach
- Clearwater
- Naples
- Sarasota
- Daytona Beach
- Melbourne
- Deltona
- Miami Beach
- Boynton Beach
- Ocala
Georgia Cities
- Atlanta
- Augusta
- Columbus
- Savannah
- Athens
- Sandy Springs
- Roswell
- Macon
- Johns Creek
- Albany
- Warner Robins
- Alpharetta
- Marietta
- Valdosta
- Smyrna
- Dunwoody
- Brookhaven
- Peachtree Corners
- Gainesville
- Newnan
- Douglasville
- Kennesaw
- Milton
- Rome
- Hinesville
Kentucky Cities
- Louisville
- Lexington
- Bowling Green
- Owensboro
- Covington
- Richmond
- Georgetown
- Florence
- Hopkinsville
- Frankfort
- Elizabethtown
- Paducah
- Nicholasville
- Henderson
- Radcliff
- Independence
- Ashland
- Winchester
- Berea
- Fort Thomas
- Erlanger
- Danville
- Murray
- St. Matthews
- Jeffersontown
Louisiana Cities
- New Orleans
- Baton Rouge
- Shreveport
- Lafayette
- Lake Charles
- Kenner
- Bossier City
- Monroe
- Alexandria
- Houma
- Slidell
- New Iberia
- Ruston
- Hammond
- Natchitoches
- Central
- Pineville
- Marrero
- West Monroe
- Prairieville
- Metairie
- Terrytown
- Gretna
- Opelousas
- Zachary
Mississippi Cities
- Jackson
- Gulfport
- Southaven
- Hattiesburg
- Biloxi
- Meridian
- Tupelo
- Greenville
- Olive Branch
- Horn Lake
- Pearl
- Madison
- Clinton
- Ridgeland
- Vicksburg
- Starkville
- Columbus
- Ocean Springs
- Pascagoula
- Brandon
- Oxford
- Laurel
- Natchez
- Gautier
- Bay St. Louis
Nevada Cities
- Las Vegas
- Henderson
- Reno
- North Las Vegas
- Sparks
- Carson City
- Elko
- Mesquite
- Boulder City
- Fernley
- Fallon
- Winnemucca
- West Wendover
- Pahrump
- Laughlin
- Paradise
- Enterprise
- Spring Valley
- Summerlin
- Sunrise Manor
- Whitney
- Spanish Springs
- Dayton
- Incline Village
- Gardnerville
North Carolina Cities
- Charlotte
- Raleigh
- Greensboro
- Durham
- Winston-Salem
- Fayetteville
- Cary
- Wilmington
- High Point
- Concord
- Asheville
- Gastonia
- Jacksonville
- Chapel Hill
- Rocky Mount
- Burlington
- Kannapolis
- Huntersville
- Apex
- Wake Forest
- Hickory
- Mooresville
- Goldsboro
- Wilson
- Greenville
Oklahoma Cities
- Oklahoma City
- Tulsa
- Norman
- Broken Arrow
- Edmond
- Lawton
- Moore
- Midwest City
- Enid
- Stillwater
- Muskogee
- Bartlesville
- Shawnee
- Owasso
- Ardmore
- Yukon
- Mustang
- Bixby
- Jenks
- Claremore
- Del City
- Sand Springs
- El Reno
- Durant
- McAlester
Pennsylvania Cities
- Philadelphia
- Pittsburgh
- Allentown
- Erie
- Reading
- Scranton
- Bethlehem
- Lancaster
- Harrisburg
- York
- State College
- Wilkes-Barre
- Chester
- Altoona
- Easton
- Johnstown
- Norristown
- Upper Darby
- Bensalem
- Lower Merion
- Hazleton
- Monroeville
- New Castle
- West Chester
- King of Prussia
South Carolina Cities
- Charleston
- Columbia
- North Charleston
- Mount Pleasant
- Rock Hill
- Greenville
- Summerville
- Sumter
- Hilton Head Island
- Florence
- Spartanburg
- Myrtle Beach
- Aiken
- Anderson
- Goose Creek
- Greer
- Mauldin
- Simpsonville
- Bluffton
- Lexington
- Easley
- Conway
- North Augusta
- Clemson
- Gaffney
Tennessee Cities
- Nashville
- Memphis
- Knoxville
- Chattanooga
- Clarksville
- Murfreesboro
- Franklin
- Johnson City
- Jackson
- Hendersonville
- Kingsport
- Collierville
- Cleveland
- Smyrna
- Germantown
- Brentwood
- Bartlett
- Lebanon
- La Vergne
- Cookeville
- Gallatin
- Sevierville
- Maryville
- Oak Ridge
- Spring Hill
Texas Cities
- Houston
- San Antonio
- Dallas
- Austin
- Fort Worth
- El Paso
- Arlington
- Corpus Christi
- Plano
- Laredo
- Lubbock
- Garland
- Irving
- Amarillo
- McKinney
- Frisco
- Grand Prairie
- Brownsville
- Pasadena
- Mesquite
- Killeen
- McAllen
- Waco
- Carrollton
- Denton
