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Real Estate Business Insurance
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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
Most states require workers' comp for real estate businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
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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