The disclosure you did not make is the claim, and it arrives after closing.
Cover for agents and brokerages — errors and omissions for disclosure and advice, fair housing exposure, and the wire fraud aimed squarely at your closings.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What real estate agent businesses actually need.
Errors and omissions
Failure to disclose, misrepresentation, negligent advice, missed deadlines.
Without it — Disclosure claims are the trade’s defining loss and arrive post-closing.
Fair housing and discrimination
Claims arising from steering, advertising or treatment of a protected class.
Without it — A regulatory and civil exposure that E&O does not always include.
Cyber and wire fraud
Compromised email, and fraudulent closing wire instructions.
Without it — Real estate closings are the most targeted wire fraud in the country.
General liability
Injury at showings and open houses, and damage to a listed property.
Without it — You hold keys to and invite the public into houses you do not own.
Brokerage and agent coverage
Whether independent agents under your license are insured, and how.
Without it — Agents are usually contractors, and a gap there lands on the broker.
What real estate agent operators ask us.
What is the wire fraud exposure exactly?
An attacker compromises an email account in the transaction — yours, the title company’s, the buyer’s — waits for the closing, and sends convincing revised wire instructions. The buyer sends their deposit or their whole down payment to the fraudster, and recovery is rare. Two things matter: the loss is usually the CLIENT’S money, and the claim against you is that your compromised account or your process enabled it. Note also where cover sits — cyber policies commonly pay the breach response while excluding or heavily sublimiting the funds, which fall under crime and social engineering.
Does the brokerage policy cover independent agents?
It depends on how it is written, and this is the question brokers most often get wrong. Many brokerage E&O policies cover agents while acting within the scope of the brokerage relationship — but coverage can be limited or excluded for outside activity, for an agent’s own investment transactions, or for referral fees earned elsewhere. Agents doing property management, buying for their own account, or working under a team structure are the usual gaps. Read the definition of insured against how your agents actually operate.
Are we exposed on property management too?
Yes, and it is a different exposure from sales that generic real estate E&O sometimes excludes. Managing property adds habitability claims, deposit disputes, eviction and fair housing exposure, and responsibility for maintenance and vendor selection. If your brokerage manages rentals alongside sales, that has to be disclosed and covered specifically — a policy written for a sales brokerage will not answer a tenant’s claim.
How long after a sale can we be sued?
Years, and the mechanics of that matter more than the number. E&O is claims-made, so it responds to claims made while the policy is in force for work done after the retroactive date — not to work done while you were paying premiums. A broker who retires or lets cover lapse is exposed to every disclosure claim that arrives afterwards on transactions already closed. Tail cover exists for exactly that, and it is worth pricing into any retirement or brokerage sale.
Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.