Coverage for the people who close the deal.
A buyer sues over a disclosure they say you missed. A visitor slips at an open house. A wire-fraud email drains a client's escrow. These are the real exposures of the real estate business — and every one of them maps to a coverage type we write across CA, TX, FL, and AZ.
Why agents and brokers need specialized coverage.
Real estate runs on advice and paperwork, and that's exactly where the claims come from. A missed disclosure, a misstated square footage, a deadline that slips — clients sue for the financial loss, not a physical injury. General liability won't respond to that. Errors & Omissions (professional liability) is the policy that does, and many states and brokerages require agents to carry it.
Beyond E&O, real estate professionals host open houses, manage properties, drive clients around, and hold sensitive financial data. Slip-and-falls, property manager liability, and cyber/wire-fraud exposure all need their own coverage. We build the right stack for solo agents, teams, and brokerages alike.
Essential real estate insurance.
- Errors & Omissions (E&O). The core coverage — protects against claims of negligence, missed disclosures, and bad advice. Often required by your board or brokerage.
- General Liability. Slip-and-falls at open houses and showings, third-party property damage, advertising injury.
- Cyber & Wire Fraud. Escrow wire-fraud, data breaches, and client-record exposure — a fast-growing claim area in real estate.
- Commercial Property / BOP. Office space, furnishings, and equipment for brokerages with a physical location.
- Workers' Compensation. Required once you have W-2 staff — admins, transaction coordinators, marketing teams.
Solo agent or full brokerage?
Coverage scales with the operation. A solo agent often needs E&O plus a light general liability; a brokerage with staff and an office adds property, workers' comp, and cyber. We shop A-rated carriers that specialize in real estate, quote each layer, and show you what's required by your state and board versus what's worth adding. Same-day Certificates of Insurance for the deals that can't wait.
Questions before the quote.
It depends on the state and brokerage. Several states and most brokerages require agents to carry Errors & Omissions before they can practice. Even where it isn't mandated, it's the coverage that responds when a client sues over a transaction, so we strongly recommend it.
Quote your
today.E&O and more
Tell us whether you're a solo agent, a team, or a brokerage. We'll quote E&O and the rest of the stack from carriers that specialize in real estate — same-day COIs included.