Check your State requirements on WC. Some states do not require owner/ operators to carry WC, even though you have the option of paying in. However, that does not mean the management company won't require it. Some may want a 2 million general liability policy as opposed to a 1 million policy. There may be additional bonding required as well. You need to get yourself out there are see what, if any, road blocks you are facing in terms of your current insurance coverages and then adjust accordingly in order to secure accounts.