Real estate flipped

Real Estate Insurance

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How Real Estate and Insurance Connect:

Whether your job in real estate focuses on buying or selling, there are specific insurance challenges unique to your industry.

Real Estate Agents deal with legal documents, private client information, travel and the risks that come with providing professional advice.

There are any number of insurance policies that real estate agents might consider to protect their businesses and their clients.

What Insurance Does a Real Estate Agent Need?

Business Owners Policy (BOP)

A Business Owners Policy (BOP) will protect your from a number of claims that could be brought against you or your real estate agency.


Exampleโ€ฆ A customer visits your agency, trips and falls over a loose wire, breaking an arm. The bodily injury claim would be covered by the General Liability feature of a BOP.

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Professional Liability

Professional Liability Insurance protects you against any lawsuits that claim negligence from your agency that led to the client's harm or financial loss.


Exampleโ€ฆ You fail to sell a clientโ€™s home for the agreed upon value and the client sues you for breach of duty. Professional Liability Insurance helps cover your legal costs.

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Workers Compensation

Workers Compensation Insurance may be obligatory in your state if you employ at least two people. Even if not obligatory, it protects you and your company in the event of a workplace injury.


Exampleโ€ฆ A real estate agent you hired from a fall down the stairs while showing a house. Workers Comp covers his medical bills and lost wages while he recovers.

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Commercial Auto Insurance

Commercial Auto Insurance is needed if you or your team use a company car to travel for viewings.


Example... On the way to a house for a viewing, your company car collides with a motorist, causing them injury while damaging your car. Commercial Auto Insurance covers their medical bills and the repair costs.

FAQs: Real Estate Insurance

Who Needs Real Estate Insurance?

Anyone who is a licensed professional working in real estate will need to purchase insurance. Individuals who will need to get insurance include: Licensed real estate agents, Real estate brokers, Dual agents, Buyerโ€™s agents and Sellerโ€™s agents.

How much does Real Estate Insurance cost?

Considering the type of insurance real estate agents may purchase, costs could be vastly different depending on the size and location of your agency. Obtain a professionally completed quote to get a good idea of how much your insurance will cost.

Are You Ready to Get Covered?

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