Introduction

Summit integrates with Yardi Voyager/Breeze and Buildium in Canada via CSV/webhooks for real-time insurance verification, auto-enroll/waiver workflows, and dashboards.

What this enables for property managers

• Real-time or daily verification of tenant insurance status against policy data you provide or that we collect from carriers/brokers of record.

• Auto-enroll tenants into a master policy for Tenant Legal Liability (TLL) when they lack acceptable evidence of insurance, with opt-out rules you define.

• Waiver workflows for edge cases (e.g., corporate renters, college-sponsored coverage, short-term stays), including documentation capture and expiry tracking.

• Central dashboards to monitor compliance rates, expiring COIs, pending waivers, auto-enroll outcomes, and property- or portfolio-level gaps.

• Automated outreach: reminders for move-in dates, expiring policies, lapsed status, and missing documents.

• Evidence management: collection and review of certificates of insurance (COIs) and policy declarations, plus exception notes and audit trails.

For broader risk transfer and program design, see Property Management Insurance, Landlord Insurance, and Commercial General Liability.

Supported systems and connection methods

• Platforms: Yardi Voyager, Yardi Breeze, and Buildium (Canada).

• Connection patterns: secure CSV import/export and event-driven webhooks. We align to your PMS’s export cadence and naming conventions; we can also post back compliance statuses for unit/lease records via agreed file formats or webhook payloads.

• Source(s) of truth: PMS lease/tenant tables for occupant metadata; policy/COI records from tenants, carriers, or your master policy administrator; Summit’s compliance engine for computed status and audit history.

Notes on scope: Service available across Canada, excluding Quebec.

Data we exchange and track

Below are representative fields we typically map. Exact names and availability vary by PMS version and your configuration.

Master policy and TLL program design

• Master policy: A building- or portfolio-level policy you place to cover eligible tenants who do not present their own acceptable policy. Premiums can be billed back per unit per month or via other internal accounting methods.

• Tenant Legal Liability (TLL): TLL protects the landlord’s interest for covered damage tenants cause to the premises. We validate TLL terms and limits against your rules and local requirements.

• Auto-enroll: When a tenant lacks an acceptable COI/policy by your deadline, the workflow places them on the master policy and updates compliance status. Opt-out remains available if the tenant later submits acceptable proof.

• Remittance and reconciliation: We produce monthly rosters of enrolled units, effective dates, and proration notes for finance teams.

Waivers and exceptions

• Waiver: A time-bound exception to your standard insurance requirement. Typical reasons include corporate leases, subsidized housing programs, institutional coverage (e.g., student housing), or short-term occupancy.

• Controls: You set allowable reasons, documentation requirements, and maximum durations. We track waiver expiry and re-verify eligibility at renewal or move-out.

Dashboards and reporting

• Compliance KPIs: portfolio and property compliance rate, open exceptions, lapsed/expiring policies, auto-enrolled count, average time-to-compliance, and outreach conversion.

• Drilldowns: unit/tenant detail with evidence links, notes, and timeline of verification actions.

• Exports: scheduled CSVs for finance (master policy enrollments), operations (non-compliance lists), and risk (waiver summaries).

Rollout approach

• Discovery: confirm fields, export cadence, property/lease naming conventions, acceptable policy rules, and waiver types.

• Mapping: align CSV columns/webhook payloads; define status codes to write back.

• Pilot: run a limited property set to test matching, false positives, and outreach templates.

• Scale: expand to full portfolio with change management for site teams.

Security, privacy, and data residency

• Data residency: Summit stores personal information exclusively in Canada, per our Company Privacy Policy.

• Minimum necessary data: we scope to the least data required to verify coverage and contact tenants.

• Evidence handling: we retain only the documents needed for audit and legal purposes, following your retention preferences.

For incident support, visit Claim Services. For cyber risk transfer tied to tenant/landlord digital workflows, see Cyber Insurance.

FAQs

• What is a master policy? A portfolio-level policy used to cover tenants who don’t maintain acceptable individual coverage; billing can be back-charged per unit per month.

• What is Tenant Legal Liability (TLL)? Coverage focused on tenant-caused damage to the landlord’s property interest; we validate limits/deductibles against your rules.

• How does auto-enroll work? If a tenant fails verification by your deadline, they are enrolled on the master policy; if they later provide acceptable proof, we update status and remove them prospectively per your rules.

• What is a waiver? A documented, time-bound exception (with an expiry date) to your standard requirement—for example, corporate leases or institutionally covered student housing.

• Do you support both Yardi and Buildium? Yes. We use CSV/webhook-based data exchange with Yardi Voyager/Breeze and Buildium to read lease/tenant data and return compliance statuses.

• Can we set different rules per property? Yes. Limits, deductibles, documentation requirements, auto-enroll timing, and waiver reasons can be property- or region-specific.

• Is this available in Quebec? No. Summit currently supports Canadian portfolios outside Quebec.

• How are finance and chargebacks handled? We supply monthly enrollment rosters and effective dates so your accounting team can post appropriate charges/credits.

• What about evidence fraud? Our reviewers check document metadata and carrier details; questionable submissions are flagged for manual follow-up.

Get started

• Talk to our team about your PMS data structure, COI requirements, and master policy preferences via Property Management Insurance or Contact/Claims.

Trademarks: Yardi, Yardi Voyager, Yardi Breeze, and Buildium are trademarks of their respective owners. No affiliation or endorsement is implied.