Jonathan Lugo
E&O Insurance Advisor
LinkedInJonathan Lugo is a real estate and property management E&O insurance advisor with PBI Group. Over the past five years, he has focused on helping brokers and property managers understand what their E&O policies actually cover, where other policies fall short, and how to spot problematic exclusions that can lead to denied claims.
Jonathan began his insurance career at 18 as an intern at Veritas Risk Management in Johnson City, Tennessee, where he later founded FirmSecured, a specialized E&O division for real estate and property management firms. He officially joined the PBI Group team in summer of 2025.
In 2021, Jonathan was featured on Protégé, a reality series for commercial insurance agents. Each year, he enjoys attending and running a booth at national conferences hosted by the National Association of Residential Property Managers (NARPM).
Jonathan lives in Johnson City with his wife and their one-year-old son. Outside of work, he enjoys playing violin and viola, spending time outside, and reading.
Articles by Jonathan Lugo
9 articles
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Errors and OmissionsWhy Property Managers Need "Contingent BI/PD" E&O Coverage
Learn why Contingent Bodily Injury/Property Damage (BI/PD) Coverage is crucial to have on Property Management E&O insurance policies.
Jan 20, 2025
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Errors and OmissionsTop 5 Coverages Missing From Property Management E&O Policies
The five coverages most often excluded or quietly sublimited on property management E&O policies — and what to look for so a routine claim doesn't land on you p…
Jan 16, 2025
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Errors and OmissionsWhy Do Vacation Rental Management Companies Need E&O?
Why E&O insurance is essential for vacation rental managers: Explore the risks for property managers, and learn how to protect your business.
Nov 25, 2024
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Errors and OmissionsReal Estate E&O, Franchisors, & Additional Insured Endorsements
Not sure why franchises require that they be listed as "additional insured"? Here's what you need to know for your franchise real estate firm
May 30, 2024
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Errors and OmissionsE&O Coverage: Property Developed / Constructed by Related Entity
Many real estate agents sell property they, their spouse, or a related entity developed or constructed. Many E&O policies exclude coverage.
May 28, 2024
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Errors and OmissionsReporting E&O Claims: What Real Estate Brokers Need to Know
Learn what to report to your real estate errors & omissions (E&O) company to avoid denied claims. Don't a reporting mistake void your coverage
Sep 5, 2023
- Errors and Omissions
Agent-Owned Property E&O Coverage
When purchasing or selling your own property as a real estate agent, you need to know if your E&O covers or excludes agent-owned property.
Aug 21, 2023
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Cyber LiabilityCyber Insurance: A Comprehensive Guide for Real Estate Firms
Cyber insurance for real estate covers digital security and online activity risks, such as cyber attacks, data breaches, and wire fraud.
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Errors and OmissionsE&O Insurance: The Ultimate Guide for Property Managers
Property management E&O insurance covers professional liability claims from an alleged error or omission made by a property manager.
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