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Why do real estate agents and brokers need insurance?
Work in real estate involves large transactions – which can mean major consequences if something goes wrong. Business insurance protects agents and brokers from the financial impact of property listing errors, damage to a client's home, and other costly accidents.
Find the right coverage
From agencies to brokerages, we'll recommend the right policies for your small business. Fill out Insureon's easy online application to get started.
Have questions? Our licensed agents will help you every step of the way.
What type of insurance do real estate agents and brokers need?
These policies cover common risks faced by real estate agents and brokers.
Errors and omissions insurance
E&O insurance is also called professional liability insurance. It covers legal fees for lawsuits related to mistakes and oversights, such as an error in a property listing.
BEST FOR
- Property disclosure disputes
- Transaction discrepancies
- Failure to complete inspections and documentation
General liability insurance
This policy covers basic real estate agent and broker business risks, including customer injuries. Bundle with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents at an open house
- Damaged customer property
- Libel or slander lawsuits
Workers’ compensation insurance
Most states require workers' comp for real estate agencies and brokerages that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical bills
- Disability benefits
- Legal costs
Business owner’s policy
This policy bundles property insurance and general liability insurance under one plan. A BOP is one of the most cost-effective types of commercial insurance for agents and brokers.
BEST FOR
- Customer bodily injury
- Customer property damage
- Business property damage
Commercial auto insurance
This insurance policy is required for business-owned vehicles. It typically pays for damages and injuries in an accident, along with vehicle theft, weather damage, and vandalism.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Cyber insurance
A cyber liability policy helps real estate brokers and agents survive data breaches and cyberattacks. It covers client notification costs and other expenses related to a data breach.
BEST FOR
- Data breach lawsuits
- Breach notification expenses
- Fraud monitoring costs
Looking for different coverage? See more policies.
How much does business insurance cost for real estate agents and brokers?
An independent real estate agent will pay less for insurance than a large agency with a dozen Realtors.
Factors that affect the cost of real estate business insurance include:
- Real estate services offered
- Value of business property and equipment
- Business size and revenue
- Types of business insurance purchased
- Policy limits and deductibles
State insurance requirements
See your state's real estate agent and broker insurance requirements
Choose your state to learn about insurance requirements for agents and brokers.
How do I get real estate agent insurance?
It’s easy to get insurance coverage as a real estate agent or broker if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your real estate agency or brokerage, whether you work independently or hire employees.
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