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What is Real Estate Errors and Omissions Insurance?

Real Estate Errors and Omissions Insurance (E&O) is a line of coverage designed to protect businesses that specialize in real estate. It mostly covers real estate agents and brokers, however it can be extended to cover landlords and a few other classifications. Just as any normal E&O policy will do, a Real Estate E&O policy protects the insured against any mistakes due to negligence or breach of contract made while doing business. The coverages are tailored for this specific line of work.

Why Purchase Real Estate E&O?

A Real Estate E&O policy can cover costs for legal defense as well as settlements for negligence and breach of contract. Hiring a lawyer or reaching a settlement out of court can cost a business a lot of money. Many small agencies do not have the ability to pay for these costs on their own. Even proving non-negligence in court can have huge costs. For example, a home inspector is hired to check a house before a couple purchases it. This inspector informs the couple about minor structural damage that should be taken care of, but it does not need to be fixed right away. A week later, that portion of the house collapses. The couple sues the home inspector for negligence. Without a real estate E&O policy the inspector would have to pay to settle or to hire a lawyer, which could potentially ruin his business. But with the right coverage the risk of negligence can be protected.

The Apogee Advantage

Our Real Estate Errors and Omissions insurance available through A++ rated, A.M. Best, admitted and non-admitted markets throughout all 50 U.S. states.

Coverage May Include

Protection against financial losses from lawsuits filed due to error, omission, or negligence in regard to your duties as a real estate agent(s).

  • Environmental Pollutants coverage
  • Full Prior Acts coverage available
  • Defense outside the limit
  • Duty to defend
  • Internet coverage provided
  • Optional Package policy with errors & omissions, general liability and business personal property coverage. General liability includes coverage for bodily injury arising out of professional services

Apply Now

First time customers, learn about Apogee and fill out our form.

Send submissions to submissions@apogeeinsgroup.com

Submission Requirements:

  • Application
  • Loss runs, if available
  • Resumes of key personnel
  • Sample customer contract
  • Copy of current declarations page

Real Estate Errors and Omissions Application:


Available Markets


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