Insurance for Real Estate Agents and Brokers

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Real Estate Agents

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Why do real estate agents and brokers need insurance?

Work in real estate involves large transactions – which can mean major consequences if something goes wrong. Business insurance protects agents and brokers from the financial impact of property listing errors, damage to a client's home, and other costly accidents.

Real estate agent in front of home for sale.

Find the right coverage

From agencies to brokerages, we'll recommend the right policies for your small business. Fill out Insureon's easy online application to get started.

Have questions? Our licensed agents will help you every step of the way.

What type of insurance do real estate agents and brokers need?

These policies cover common risks faced by real estate agents and brokers.

General liability insurance

This policy covers basic real estate agent and broker business risks, including customer injuries. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR

Slip-and-fall accidents at an open house
Damaged customer property
Libel or slander lawsuits

Errors and omissions insurance

E&O insurance is also called professional liability insurance. It covers legal fees for lawsuits related to mistakes and oversights, such as an error in a property listing.

BEST FOR

Property disclosure disputes
Transaction discrepancies
Failure to complete inspections and documentation

Workers’ compensation insurance

Most states require workers' comp for real estate agencies and brokerages that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical bills
Missed wages
Legal costs

Business owner’s policy

This policy bundles property insurance and general liability insurance under one plan. A BOP is one of the most cost-effective types of commercial insurance for agents and brokers.

BEST FOR

Customer bodily injury
Customer property damage
Business property damage

Commercial auto insurance

This insurance policy is required for business-owned vehicles. It typically pays for damages and injuries in an accident, along with vehicle theft, weather damage, and vandalism.

BEST FOR

Car accidents
Vandalism and theft
Weather damage

Cyber liability insurance

A cyber liability policy helps real estate brokers and agents survive data breaches and cyberattacks. It covers client notification costs and other expenses related to a data breach.

BEST FOR

Data breach lawsuits
Breach notification expenses
Fraud monitoring costs

Looking for different coverage? See more policies.

How much does business insurance cost for real estate agents and brokers?

Real estate professional using calculator in front of home for rent.

An independent real estate agent will pay less for insurance than a large agency with a dozen Realtors.

Factors that affect the cost of real estate business insurance include:

Real estate services offered
Value of business property and equipment
Business size and revenue
Types of business insurance purchased
Policy limits and deductibles

View Costs

How do I get real estate agent insurance?

It’s easy to get insurance coverage as a real estate agent or broker if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

Complete a free online application
Compare insurance quotes and choose policies
Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your real estate agency or brokerage, whether you work independently or hire employees.

See your state's real estate agent and broker insurance requirements

Choose your state to learn about insurance requirements for agents and brokers.

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What our customers are saying

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