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Recommended business insurance policies for real estate professionals
A simple mistake could have a big impact on your small real estate company. Business insurance can help you recover from a discrepancy in a listing, a lawsuit over tenant complaints, or a fire at your office.
General liability insurance
This policy covers basic real estate business risks, such as customer property damage and injuries. Bundle with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel or slander lawsuits
Errors and omissions insurance
E&O, also called professional liability insurance, can cover legal fees of lawsuits related to your business decisions, including errors and oversights.
BEST FOR
- Property listing disputes
- Disclosure negligence accusations
- Inspection and documentation discrepancies
Workers’ compensation insurance
Workers’ compensation insurance is required in almost every state for real estate businesses that have employees. It can cover medical costs for work-related injuries.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Business owner’s policy
A BOP bundles property insurance and general liability insurance under one plan. It's often one of the most cost-effective commercial insurance policies for real estate professionals.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
Commercial auto insurance
Commercial auto insurance covers vehicles owned by a real estate business. It can help pay for property damage and medical bills in an accident, vehicle theft, and more.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Cyber liability insurance
This policy helps real estate professionals survive data breaches and cyberattacks. It can cover data recovery costs, customer notification expenses, and more.
BEST FOR
- Data breach lawsuits
- Customer notification expenses
- Fraud monitoring costs
Looking for different coverage? See more policies.
How much does insurance cost for real estate professionals?
Several factors will have an impact on insurance costs, including:
- Real estate services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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