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What does real estate agents and realtors insurance cover?

Real Estate Agent and Realtor insurance helps protect professionals from the cost of risks related to providing real estate services to clients. Common risks may include:

  • Mistakes or errors in your real estate services
  • Claims that your advice or services caused a client financial loss
  • Client property damage claims
  • Claims of negligence or breach of contract

BizInsure can help you get affordable and dependable insurance tailored to your needs as a Real Estate Agent or Realtor.

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real estate agents

Why do real estate agents and realtors need insurance?

Real estate agents and Realtors may consider insurance to help cover the cost of claims and lawsuits related to the services they provide. They may also choose coverage to help protect their business property and manage other risks that can arise during their work.

Real estate agents and Realtors help clients buy, sell, and manage property. Mistakes, oversights, or misunderstandings during a property transaction can lead to costly claims. That’s why many real estate agents and Realtors seek business insurance that is reliable and tailored to their profession.

Real Estate insurance covers a broad range of professions

We help insure different types of Real Estate Agents, Realtors, and real estate businesses, such as:

Real Estate Brokers

Realtors

Real Estate Agents

What types of insurance do Real Estate Agents and Realtors need?

BizInsure provides insurance options designed to help Real Estate Agents and Realtors manage common business risks, including claims of negligence, errors, and third party property damage.

General Liability

General Liability insurance

General Liability is the most common and essential type of business insurance. It can protect your business against bodily injury or property damage lawsuits from outside parties.

Coverage: Up to $1 million per occurrence / $3 million in the aggregate.

General Liability
Business Interruption insurance

Business Owner’s Policy (BOP)

A Business Owner’s Policy (BOP) is a convenient insurance package that combines General Liability with coverage for your business property, inventory, and owned buildings.

Business Owners Policy
PL insurance

Professional Liability insurance

Professional Liability insurance, also known as Errors & Omissions insurance, protects you against claims of negligence, misrepresentation, or mistake that result in financial loss to a third party.

We offer coverage up to $1 million per occurrence and $3 million in the aggregate.

Professional Liability nurses
Workers comp

Workers Compensation Insurance

Workers’ Compensation insurance protects your business and employees in the event of a work-related illness or injury. This includes costs for medical care, replacement of lost wages, funeral costs, and disability support.

Workers Comp insurance

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How much does Real Estate Agents & Realtors insurance cost?

Every real estate agent and broker is unique. Your insurance costs will depend on several factors, such as business size, revenue, services offered, and claims history. Compare quotes to know the typical cost for your policy.

    Cost factors
    insurance for real estate agent

    Factors influencing cost

    • Risks of the industry 
    • Coverage level amount
    • Annual turnover
    • Number of employees
    • Claims history

    The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

    Levels of coverage

    Get flexible coverage to match your needs

    Choose from a broad range of coverage limits to suit your unique risks.

    Professional Liability insurance

    Coverage levels to choose

    • Up to $1 million per occurrence
    • Up to $3 million in the aggregate

    General Liability insurance

    Coverage levels to choose

    • $1 million per occurrence
    • $3 million in the aggregate

    Unsure how much to choose? Think about:

    • Statutory Profession Requirements
    • Coverage required by contracts
    • Number of employees being covered
    • Your contract value
    • Worst case scenario claim size
    Cost factors
    insurance for real estate agent

    Factors influencing cost

    • Risks of the industry 
    • Coverage level amount
    • Annual turnover
    • Number of employees
    • Claims history

    The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

    Levels of coverage

    Get flexible coverage to match your needs

    Choose from a broad range of coverage limits to suit your unique risks.

    Professional Liability insurance

    Coverage levels to choose

    • Up to $1 million per occurrence
    • Up to $3 million in the aggregate

    General Liability insurance

    Coverage levels to choose

    • $1 million per occurrence
    • $3 million in the aggregate

    Unsure how much to choose? Think about:

    • Statutory professional requirements
    • Coverage required by contracts
    • Number of employees being covered
    • Your contract value
    • Worst case scenario claim size

    Frequently asked questions

    Is real estate agent insurance required by law?

    Insurance requirements for real estate agents vary by state and may depend on licensing rules, professional associations, landlords, or client contracts.
    Professional Liability insurance may be required in some cases, while landlords or clients may require General Liability insurance.
    Even when insurance is not required, coverage can help protect your business from the financial impact of claims and lawsuits.

    Is real estate agent insurance tax-deductible?

    Business insurance premiums are generally tax-deductible. An accountant can help you understand and take advantage of relevant deductions when you file your business taxes.

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    I have had this service since I started my business 3 years ago and I have recommended it to several other business owner for similar coverage because they are fair and great to work with.

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    Very easy company to work with

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    took 5 mins tops…easy and simple

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    We have worked with BizInsure for years and they have been great to work with!

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