To get started, match the state you primarily conduct business in to one of the four groups below. Then, click your group's Buy E&O Now button, and you'll be on your way to having coverage in minutes.
Find your coverage
1
Eligible States
AL, AZ, AR, CT, FL, GA, IL, IN, KS, ME, MA, MI, MN, MO, NV, NH, NC, OH, OK, OR, SC, UT, VT, VA, WV, WI
Real Estate Agents & Brokers need a comprehensive E&O Insurance policy that they can count on—one that covers all of their transactions, offers great policy customization and has an affordable, upfront rate.
With 360 Coverage Pros, you can access Real Estate Agent & Broker E&O Insurance with no lengthy quote forms, no waiting and no fluctuating rates. Purchase coverage online and have your certificate of insurance in minutes.
Superior protection for agents and brokers
Upfront Pricing
Unlike other providers, you can view pricing without giving your personal information or waiting for a quote.
A+ Rated Carrier
As rated by AM Best, our underwriting carrier is A+ rated, signifying a strong financial backing.
For Sole Proprietors & Small Brokerages
Our pricing is the same for individuals and small Real Estate firms.
Free Risk Management
Policyholders have immediate access to our Pre-Claims Legal Assistance, resolving issues before they become a claim.
Claims happen. Here are the facts you should know:
Attorney fees for a Real Estate E&O claim can easily amount to
10,000
$
or more.
1 in 10
claims relate to permitting issues.
Failure to disclose, misrepresentation, licensing board complaints and property management issues are just some of the many possible causes for a Real Estate E&O claim.
The riskiest areas of real estate that result in the most E&O claims are:
Property Management
Vacant Land
Mortgage Brokering
Appraisals
Alleged or actual professional mistakes can lead to a lawsuit, costing you thousands or more in attorney's fees, judgments, fines and penalties.
Risk Management is the first line of defense in claims prevention. Your policy provides quick access to proactively get in front of any potential issues.
Peace of mind in minutes
Individual Real Estate Agents and Real Estate Brokerages use Errors & Omissions (E&O) Insurance policies to protect themselves against various claims, such as negligence or misrepresentation. With E&O Insurance from 360 Coverage Pros, you can get peace of mind in minutes.
Our application lets you choose from multiple liability limit and deductible options, plus additional coverages for other services you conduct, such as property management or mortgage brokering.
Learn more
>
What's included
>
Program options
>
Pricing
Have questions?
If you do, schedule a free, no-obligation consultation with one of our Real Estate Agent & Broker E&O Insurance experts. In under 30 minutes, we can discuss your needs, answer any questions and review the policy and coverage options with you.
Scheduling is easy, and you can cancel or reschedule your consultation anytime.
E&O Insurance is critical for any Real Estate Professional
Like any insurance policy, Real Estate Agent & Broker E&O Insurance can initially seem complex. See below for some frequently asked questions from our customers, and remember that you can always schedule a consultation with a policy expert for help understanding the policy and the available coverage options.
What does Real Estate Agent & Broker E&O Insurance protect against?
E&O Insurance for Real Estate Agents, Brokers and Brokerages safeguards the named insured in the event of a professional liability claim. A wide range of issues could result in a suit being brought against you as a real estate professional. The top reasons include failure to disclose, misrepresentation, licensing board complaints, subpoenas and property management issues.
What services are covered under Real Estate Agent & Broker E&O Insurance?
Our coverage extends to individual Agents and Brokers, as well as small Brokerages with 25 or fewer licensees (Group 3 is limited to 5 or fewer). Designed to meet the needs of any licensed agent, this E&O Insurance policy protects you in transactions related to the services you are able to perform as a licensed real estate professional. Coverage also applies to services as a real estate assistant or transaction coordinator. For an additional premium in Groups 1 & 2, you can also be protected for the services you provide that relate to Property Management and Mortgage Brokering.
What else does Real Estate Agent & Broker E&O Insurance cover?
Beyond the more common claim scenarios, policies are written to address additional claims related to Lockbox, Megan’s Law, Fair Housing discrimination, security breach incidents, public relations crises, disciplinary actions, subpoenas, pollution (failure to disclose), and open house bodily injury and property damage. These additional protections are subject to defined sublimits of the policy. Please refer to the policy details page and full policy for complete details on any applicable sublimits.
Please refer to the policy details page and policy form for complete details. *Per month pricing reflects the annual cost broken down over 12 months. Premium is paid in full for the annual term at enrollment.
How we stack up
With 360 Coverage Pros, you can trust that your E&O coverage has an advantage over the other policies out there. Affordable, upfront E&O pricing, no hidden fees, U.S.-based customer service and comprehensive coverage options.
360 Coverage Pros
The Other Guys
Enroll in minutes and receive instant proof of coverage
Upfront pricing without the need to input personal information
Coverage flexibility for sole proprietors and brokerages
Automatic renewal process to avoid gaps in coverage
Backed by the best in the business
We've partnered with CRES, a leader in insurance solutions for real estate professionals, to ensure that our coverage exceeds our clients' expectations.
Please refer to the policy details page and policy form for complete details.
To get started, match the state you primarily conduct business in to one of the four groups below.Then, click your group's Buy E&O Now button, and you'll be on your way to having coverage in minutes.
Ready to buy?
1
Eligible States
AL, AZ, AR, CT, FL, GA, IL, IN, KS, ME, MA, MI, MN, MO, NV, NH, NC, OH, OK, OR, SC, UT, VT, VA, WV, WI
For Group 1 & Group 2, you can choose any of the four program options below. For Group 3, only Basic coverage is available.
Additionally, for those in Groups 1 & 2, you can choose from various liability limits and a $1K or $2.5K deductible on any of the four program options.
Basic
Real Estate E&O
Real Estate E&O
+ Mortgage Brokering
Real Estate E&O
+ Mortgage Brokering
Basic+
Real Estate E&O
+ Property Management
Premium
Real Estate E&O
+ Mortgage Brokering & Property Management
Premium+
Below are all the options you can choose by group, including limits of liability, deductibles/retentions, additional coverage options and other policy limitations.
Groups 1 & 2
Eligible States - Group 1
AL, AZ, AR, CT, FL, GA, IL, IN, KS, ME, MA, MI, MN, MO, NV, NH, NC, OH, OK, OR, SC, UT, VT, VA, WV, WI
Eligible States - Group 2
Delaware, Maryland, New Jersey, Pennsylvania, Texas
Liability Limit Options
• $100K claim/$300K annual
• $250K claim/$250K annual
• $500K claim/$500K annual
• $500K claim/$1M annual
• $1M claim/$1M annual
Deductible/Retention Options
• $1,000 retention
• $2,500 retention
Available Coverage Options
• Property Management
• Mortgage Brokering
For Individual Agents, Realtors, Brokers and Small Brokerages
Annual Revenue Limit
• Up to $600K
• Up to 25 licensed staff
Covers all of your transactions and support staff
Group 3
Eligible States - Group 3
California, Hawaii
Liability Limit Options
• $500K claim/$500K annual
• $1M claim/$1M annual
Deductible/Retention Options
• $2,500 retention
For Individual Agents, Realtors, Brokers
Annual Revenue Limit
• Up to $150K
Covers all of your transactions and support staff
Need higher limits or additional coverage options?
Our Real Estate Agent & Broker E&O Insurance includes coverage and endorsements for:
All services for which a real estate license is required (see additional information below) PLUS counseling/consulting, expert witness testimony, notary services, short sale price negotiation, transaction coordination
Agent Owned Property
Supplementary Payments
Discrimination (Indemnity & Defense)
Pollution (up to a $500K sublimit for Groups 1 & 2, up to a $100K sublimit for Group 3; failure to disclose)
Open House (up to a $100K sublimit, includes Bodiliy Injury & Property Damage)
Coverage extends from the Named Insured to those acting on behalf of the Named Insured who are:
Stockholders, members, and partners
Officers, directors and employees of the Named Insured
Franchisor coverage included for vicarious liability
Independent contractor engaged in real estate as a broker or agent of the Named Insured
Additional information:
All policies will include these Insured Services:
All services for which a real estate license is required, excluding any: mortgage brokering, property management, business brokering, syndications, development of property or exclusive listing agreements with a builder or developer.
The following services, only in relation to real estate: consulting/counseling/accredited standards review, expert witness testimony, notary services, short sale price negotiation, transaction coordination.
Optional for Groups 1 & 2: Property Management Insured Service:
Property Management where an executed written property management contract exists between the insured and property owner, containing express language requiring the property owner to indemnify, defend and hold harmless any of You for acts relating to services provided as a property manager or leasing agent; and express language detailing the scope of services to be provided under the property management agreement. Coverage does not extend to services provided by You that are legally required to be handled by the property owner or an attorney licensed in the state where property is located.
Optional for Groups 1 & 2: Mortgage Brokering Insured Service:
Brokering of mortgage loans secured by Residential Property and funded by a financial institution. Financial institution means a state or federal chartered bank, credit union, or savings and loan association. A financial institution is not a private party, individual or company that lends money from assets it owns or controls. This Insured Service includes loans funded via a warehouse line of credit if, prior to closing, the lender pre-approved and agreed to repurchase the loan within 30 days of closing.
For complete details on coverage and exclusions, please refer to the policy form.
You'll leave the 360 Coverage Pros site to visit our trusted partner, CRES, to learn more about the Real Estate Agent & Broker E&O Insurance options they offer.
You'll leave the 360 Coverage Pros site to visit our trusted partner, CRES, to learn more about the Real Estate Agent & Broker E&O Insurance options they offer.
You'll leave the 360 Coverage Pros site to visit our trusted partner, CRES, to learn more about the Real Estate Agent & Broker E&O Insurance options they offer.
You'll leave the 360 Coverage Pros site to visit our trusted partner, CRES, to learn more about the Real Estate Agent & Broker E&O Insurance options they offer.
Leaving so soon?
If you have questions or want to learn more, schedule your free consultation with a Real Estate E&O Insurance expert.
If you're leaving, please take a brief moment to let us know why.
