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Developers E&O

From replacement costs to credit risks, providing real estate development services can throw up many unexpected challenges.

Custom-built coverage for a modern risk landscape

We’ve got developers’ backs with modern, flexible coverage that never cuts corners and is always looking to stay a step ahead. Better still, it’s the first market that’s directly available for retail insurance agents and brokers.

Developers E&O: What you need to know

Get a clearer picture of the target risks. A stronger understanding of premiums, limits and availability. And all the reasons you need to convince clients to choose Victor.

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Our definitive appetite guide

See all types of businesses, risks, services and projects we insure. Packaged up in a skimmable but exhaustive guide.

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Agent/broker resources

For retail agents only

Availability: In all 50 states and D.C.

Coverage: E&S with an A rated carrier

Minimum premium: $10,000

Limits: Up to $5 million  

Target risks:

  • Firms providing development, leasing, sales or acquisition services including on fully or partially owned properties
  • Firms providing traditional real estate brokerage services that also provide design and/or construction management services for others
  • Firms that perform property management and/or leasing services as well as design and/or construction management services on owned properties
  • Firms that perform property management and/or leasing services as well as design and/or construction management services on behalf of others
  • Firms providing real estate services that also develop properties by hiring the design and/or construction teams as subcontractors
  • Firms providing real estate services that hire the design and/or construction teams and provide professional services for others

Download the Developers E&O appetite guide 

Why choose Victor?

  • As longtime underwriters of real estate, design and construction risks, we understand the nuances of real estate development better than anyone
  • Dedicated policy for real estate development risks
  • Coverage for property damage, bodily injury, pollution, third party discrimination and personal/advertising liability
  • Supplemental coverage for pre-claims assistance, mold, disciplinary proceedings, FHA/ADA/OSHA violations and subpeona assistance
  • Stand-alone solutions for builders risk, real estate E&O, A&E professional liability and cyber liability

Download the Developers E&O coverage highlights sheet

To help you and your clients understand and overcome risks, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

Contact the developers E&O team directly at or connect with your business development contact.

Policyholder resources

To get a quote, please submit a completed application through your existing insurance broker. Your insurance broker will then work with our underwriters to provide you with a quote.

If you require assistance in securing an insurance broker, please contact us at

To find the right application, please select the solution you’re interested in under “Solutions” and head to the “Applications” section of that page.

You should report not only claims, but incidents as well. An incident is any situation in which you are concerned that a claim may occur. 

For your convenience in submitting a claim, you can use our E&O Claim Form. Please send claim information to  

Here's how to ensure the fastest possible response to your incident or claim:

  1. Report your incident or claim as soon as possible by writing the CNA Insurance Companies in care of:

    Victor Insurance Managers LLC
    7700 Wisconsin Ave., Suite 400
    Bethesda, MD 20814

  2. With respect to claims, all principals and staff members involved in the claim should be prepared to document the circumstances surrounding the allegation. Your written report should include the following:

    - Your firm's name and address
    - Your policy number
    - Date, time and location of the situation
    - Brief narrative description of the allegation against you
    - Name of person or entity making the claim
    - Amount of demand, if known
    - Any lawsuit papers or legal proceedings
    - Any other pertinent documents or correspondence, including newspaper accounts

  3. If the claim or incident involves a traumatic situation, take photographs of the claim site if possible. Amateur photos taken promptly are more valuable than professional photos taken at a later date.

  4. Consult your local claims specialist before you agree to attend any conferences arranged for the specific purpose of discussing the situation.

  5. Do not sign or accept release from any parties without first obtaining approval from your claims specialist. 

  6. Keep all pertinent letters of agreement for services, correspondence and memorandum.

  7. Accept all letters, memorandum and suit papers without comment or argument. Do not admit liability and do not attempt to place blame.

Questions about a claim or circumstance?

The Victor/CNA claims hotline is a resource for policyholders to speak with a claims professional. To speak with a claims professional, dial (877) 732-5444. Please note if specialists are currently engaged, you may be prompted to leave a voicemail, which will be returned within 24 hours. 

Be advised that claims cannot be reported via the Victor/CNA claims hotline.

The world is changing at an unprecedented pace. And complex new risks are emerging every year.

To help you understand and overcome these challenges, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

Coverage highlights

Download a copy of our Developers E&O coverage highlight sheet

Victor Risk Advisory

Victor Risk Advisory offers case studies that can help your clients navigate many different types of exposures.

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Discover our other solutions

Our wide range of solutions provides protection on more fronts. No matter how complex, no matter the scale, we strive to leave no stone unturned in covering our clients.

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Design, Construction & Consultants

Far-reaching and flexible solutions for design and construction professionals. Includes professional liability; errors and omissions and property and casualty.

Developers Errors & Omissions

Protects against the complex risks that come with real estate development services. Offers the flexible coverage developers need to navigate today's risk landscape.

E&S Property and General Liability

Excess and Surplus coverage for unique and hard-to-place risks. Available to a broad appetite across several industries.


Protects against major damage to homes, businesses and personal property caused by floods. Includes an industry-leading, web-based flood portal and access to real-time flood policy insurance.

Forest & Logging

Competitively priced coverage for property, general liability, including loggers broad form property damage, commercial auto, inland marine and umbrella coverage.

General Liability

From artisan contractors to fitness instructors, we offer essential and comprehensive protection against injury, illness and property damage for businesses.

Kidnap, Ransom & Extortion

Available to practically any type of company or high net worth individual. We provide guidance on predicting and preventing these events - plus access to a leading international crisis response firm.

Miscellaneous Professional Liability

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Non-Profit Management Liability

Protects non-profits' directors, employees, volunteers and more from a wide selection of risks. These include directors' and officers' liability, employment practices liability and other vital coverages.

Private Company Management Liability

Privately held organizations are vulnerable to a whole host of allegations. Our program provides D&O, EPL and several other essential coverages to help protect private companies.

Public Entities

We have a wealth of experience working with cities, counties, special districts, schools and colleges across the US. We're focused on providing underwriting and administrative services to public entity pools – and helping retail insurance brokers in finding markets for their public entity and school clients.

Real Estate Errors & Omissions

Real estate transaction risks are always on the move. Our insurance keeps up with flexible coverage for real estate agents, brokers, appraisers and more.


If you're a small to midsize US insurer, we offer a number of programs to support your risk portfolio. With first-rate financial strength ratings, you know you're in safe hands.

Workers' Compensation

Top-tier wage replacement and benefits for employees who've been injured at work. Features super reactive claims services and limits of up to $1m.