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Dependent Properties Time Element Coverage

Known as Contingent Time Element coverage, payment for the loss of income or increase in expenses as a result of damage from an insured cause of loss to the premises of another organization upon which the insured depends, i.e., customer or supplier.








Insurance Industry News from ProgramBusiness.com

Apartment PackagesStorefront owner Specialty Programs and Facility Managers, Inc.(SPFM) provides comprehensive property and liability coverage to retail agents seeking solutions for property owners and managers of habitational/commercial real estate. SPFM is known as one of the most talented and resourceful Lessor’s Risk MGAs in the country.



Apartment Packages

Specialty Insurance Advantage (SIA)



“At SPFM, we seek long term, productive relationships with high caliber agents and brokers. We promise to reduce the typical frustrations of accessing an MGA by providing a prompt and reasonable handling of business. Our mission is to provide member agents with leading-edge package insurance for property owners and managers of residential and commercial real estate.”



For more information, visit their storefront at www.programbusiness.com.


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