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Why do closing agents need insurance?
Buyers and sellers rely on your expertise to provide vital information and ensure a smooth real estate transaction. With such high stakes, even a minor issue can lead to an expensive lawsuit. Small business insurance can help you rebound from losses related to client disputes during the closing process, transaction errors, and other incidents.
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With Insureon, title closing agents can get insurance coverage the same day they apply for quotes.
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What types of business insurance do closing agents need?
These insurance policies cover common risks faced by closing agents.
Errors and omissions insurance
This policy, also called E&O or professional liability insurance, can cover legal fees of lawsuits related to your business decisions and the quality of your work.
BEST FOR
- Property title disputes
- Accusations of negligence
- Lawsuits from dissatisfied homebuyers
General liability insurance
This policy covers basic third-party risks, such as a client who trips and suffers an injury during a real estate closing. It's often required for a commercial lease.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
Workers’ compensation insurance
Most states require workers' comp for closing and title companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Business owner’s policy
This coverage bundles commercial property insurance and general liability insurance under one plan. A BOP is often one of the most cost-effective policies for closing agents.
BEST FOR
- Customer injuries
- Business property damage and theft
- Business interruption incidents
Commercial auto insurance
State laws require this coverage for vehicles owned by a closing agency. It helps cover medical bills and other costs in the event of an accident.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle vandalism and theft
Cyber insurance
This policy helps closing agents recover from data breaches and cyberattacks. It's strongly recommended for any title agency that handles sensitive information.
BEST FOR
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Looking for different coverage? See more policies.
How much does insurance cost for real estate professionals?
A small business with a few real estate agents will pay less for insurance than a large agency.
Factors that affect premiums include:
- Real estate services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get closing agent insurance?
It's easy to get business insurance and surety bonds for closing agents, title agents, and escrow agents if you have your company information on hand. Our 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 insurance agents work with top-rated U.S. providers to find the right closing and title insurance coverage for your agency, whether you work independently or hire employees.
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