Core Industries

Protecting Property Managers, Assets & Residents Across Every Community

Specialized Insurance Solutions for Multi-Family, Mixed-Use, HOA, and Large-Scale Rental Operations

We combine insight, process, and responsiveness to deliver smarter coverage and measurable results. combining insights, process and responsiveness to deliver smarter covergae and measurable results

Built for the Demands of Property Management Risk

Deep Multifamily & HOA Expertise

Understanding occupancy, tenant behavior, and building-level exposures.

Advanced Master Policy Structuring

Volume-leveraged programs reducing premiums and aligning coverage.

Specialized WC Captive Solutions

Profit-sharing platforms for companies with strong safety performance.

Market Access & Underwriting Influence

Strong carrier relationships for better terms and pricing.

WHY PROPERTY MANAGERS CHOOSE T. HUDSON RISK ADVISORS

Expertise Across Multi-Family, HOA, and Rental Complexity

Strategic Market Leverage for Large Portfolios

Precision in Master Policy Development

Scalable Solutions for Growing Management Companies

Key Property Management Risk Focus Areas

Comprehensive risk management solutions tailored to the unique challenges of real estate portfolios and property operations.

Portfolio-wide valuation & COPE accuracy

Tenant liability and premises exposure controls

Contractor/vendor risk-transfer systems

Business income modeling for multi-building assets

Fire, water intrusion, and aging infrastructure analysis

CAT risk assessment and mitigation strategies

Claims trend analysis and improvement planning

What Brings Us Together

We believe great partnerships are built through clarity, transparency, and aligned objectives. We work closely with property managers to protect assets, reduce exposure, and stabilize premiums.

Understanding

We take the time to learn your operations, contracts, jobsite exposures, subcontractor usage, equipment assets, and growth plans to ensure proper coverage design.

Communication

We communicate proactively with you, your GC partners, your project managers, and your carriers to ensure seamless certificates, compliance, and claims support.

Measured Results 

We aim to reduce friction, prevent losses, improve compliance, and deliver long-term results across safety, operations, and insurance cost.

Segments We Support

Multi-Family Residential Communities

Apartment Complexes

HOA & COA Associations

Townhome Communities

 Mixed-Use Developments

Senior Living (Non-Medical)

Manufactured Housing

Mid-rise & High-rise Residential

Regional Property Management Firms

Student Housing

Coverages We Provide

Commercial Property

Business Income & Extra Expense

General Liability

Tenant Legal Liability

Directors & Officers (HOA/COA Boards)

Umbrella & Excess Liability

Cyber Liability

Employment Practices Liability

Workers Compensation

Inland Marine (maintenance tools, equipment)

Pollution/Environmental Liability

Crime & Employee Dishonesty

The T. Hudson Way

We bring an engineering-driven approach to property management risk—accurate data, disciplined submissions, strong carrier negotiations, and proactive communication.

1. Discovery & Understanding

We analyze operations, exposures, contracts, fleets, equipment, and subcontractor workflows to understand risk across your entire business.

2. Design & Placement

We build a coverage strategy using top regional and national carriers — balancing coverage breadth, pricing competitiveness, and compliance requirements.

3. Support Always

We manage certificates, endorsements, claims support, audits, and renewals with consistent communication and clear service expectations.

INDUSTRY-SPECIFIC VALUE PROPOSITIONS

Master Policy Creation – 15% to 25% Annual Savings

Workers Compensation Captive for Property Managers:

Additional Value Propositions:

Service Areas

Primary Service Region with nationwide incidental coverage available for contractors and trades.

Choose the path that fits your needs. Whether you're exploring options, ready to schedule a call, or prepared to begin the onboarding process, we make getting started simple, clear, and comfortable.

T. Hudson Risk Advisors is licensed across the South and Southeast and can support incidental exposures nationwide for contractors and skilled trades.

Where We Operate

Our primary service region is supported by active state licensing, with nationwide
incidental coverage available where permitted by law.

Choose the path that fits your needs. Whether you're exploring options, ready to schedule a call, or prepared to begin the onboarding process, we make getting started simple, clear, and comfortable.

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.