Availability: In all 50 states, D.C., and U.S. Territories*
Coverage: Admitted, with an A rated carrier
Target risks: Real estate agents and brokers
Minimum premium: $460
Deductibles: Starting at $0
Limits: Up to $15M
Policy features:
- Coverage for errors and omissions arising from professional real estate services as a real estate agent or broker
- Agent Protection coverage up to $50,000 for first party medical expenses
- Telephone Consumer Protecton Act coverage up to $50,000
- Identity Theft Expenses coverage up to $20,000 for expenses resulting from an Identity Theft Event
- Loss of Earnings coverage up to $50,000
- License Proceedings coverage up to $50,000
- Discrimination coverage for defense and damages at no additional premium
- Definition of Insured includes trade names, predecessor firms, DBAs, and vicarious insureds
- Open house claim coverage for bodily injuries and property damage that happen during open house events
- Client cyber network damage claims coverage included for protection against security breaches or electronic infections affecting the client's network
- Professional Real Estate Services coverage applies regardless of the presence of written contracts or fees
- Virtual home tours eligible for coverage at no additional cost
- Use of drones when in the provision of a professional service is eligible for coverage at no additional cost
- Environmental hazards included to policy limits at no additional premium
- Public relations event coverage up to $50,000 per policy period
- Privacy response coverage up to $20,000 for expenses incurred by the insured due to a security breach
- Death, disability and non-practicing extended reporting periods at no additional premium
- Premium credits for favorable claims experience and participation in risk management programs
- The following coverages may be available for an additional premium:
- Construction/development
- Residential ownership
- Contingent bodily injury / property damage
- Endorsement for sales, leasing, and property management of 100% owned property**
- Mold, Employment Practices Liability coverage and more**
*Policy forms and policy terms may vary by state and territory. Not available in Guam.
**Not available in: AK, CA, CO, KS, LA, MA, MS, NC, NY, OK, RI and VA