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Professional Services · Real Estate Agents & Brokers
Real Estate Agent Insurance for brokers, agents, and property managers
Real estate agents and brokers face E&O exposure around property advice, transaction errors, and fiduciary duties. Professional liability (E&O) is the primary line, with cyber liability increasingly required by brokerages. Most brokers also carry GL, EPLI, and management liability.
At a Glance
- Primary line
- Professional Liability (E&O)
- Cyber
- Client data and transaction records
- EPLI
- Required at 10+ employees
- D&O
- For brokerage firms
Quick answer
Ellie Insurance Group is an independent business insurance agency (founded 2014, headquartered in Tampa, Florida) that shops 100+ carrier markets to place real estate agent insurance — professional liability (errors & omissions), cyber, general liability, BOP, and EPLI — for real estate agent firms. As an independent broker we compare real quotes side by side across competing markets rather than locking you into one carrier. Start an Instant Quote and a licensed agent shops your firm's account for you.
Coverage
What real estate agent insurance covers
- Professional Liability (E&O)
Errors in property advice, transaction handling, and fiduciary duties — the primary line for agents.
- Cyber Liability
Breach response, ransomware, social engineering, and regulatory defense for client and transaction data.
- GL + Property (BOP)
Premises liability, contents, and business income for office operations.
- EPLI
Wage/hour, harassment, discrimination, and wrongful termination claims.
- Management Liability
Fiduciary liability, employment practices, and crime coverage.
Common gaps
What it typically won't cover
- Intentional fraud or misrepresentation
- Prior-known claims at policy inception
- Bodily injury (covered by GL, not E&O)
- Errors in legal advice (separate legal advice)
- Failure to disclose known defects (may be covered with proper endorsement)
Pricing
What drives your premium
Gross Revenue
E&O premium scales with firm revenue — typically 0.5–1.5% of gross.
Transaction Volume
Number and value of transactions handled annually affects E&O rate.
Agent Count
Number of agents and their experience levels affect underwriting.
Loss History
Prior claims and disciplinary history significantly affect E&O.
Quote checklist
What we'll need to quote
Quote checklist
What we'll need to quote
- Brokerage name, FEIN, years in business, ownership structure
- Gross revenue (last 12 months and projected)
- Number of agents and staff
- Transaction volume and average transaction value
- Top 5 clients and revenue concentration
- Prior claims and loss history (5 years)
- Professional licenses and disciplinary history
- Cyber security practices and data protection
FAQ
Frequently Asked Questions
- Yes — any firm that provides advice, analysis, or deliverables carries E&O exposure. Most enterprise and government contracts now require $1M–$5M in professional liability limits.
- Yes. E&O covers your work product and advice. Cyber covers data breaches, ransomware, and system failures. Tech firms may combine both in a Tech E&O policy.
- EPLI is advisable at any headcount but becomes critical at 10+ employees. Many professional services firms add it when they sign enterprise contracts or hire remote staff.
- Primarily by gross revenue, service mix, client concentration, and claims history. Higher-risk services (financial advice, software, legal-adjacent work) carry higher rates.
- Yes. Ellie Insurance Group shops 100+ carrier markets to find the best fit for your firm's specific services, revenue, and risk profile.
Keep reading
Explore related coverage
Sources
Authoritative references
- IRMI — Errors and Omissions (E&O) Insurance
- Insurance Information Institute — Small Business Insurance Basics
Coverage descriptions and regulatory figures on this page are general summaries reviewed against the references above and are not a statement of coverage, legal advice, or a guarantee of eligibility or price. Last reviewed . Requirements and policy terms change — always confirm current rules with the relevant agency and verify coverage against the actual policy and a licensed agent.
Related articles
Deeper reading on this coverage
Coverage explainers
General Liability vs. Professional Liability: Why You Probably Need Both
GL covers slip-and-fall. E&O covers bad advice. Service firms almost always need both — here's how they differ.
Coverage guidance
Cyber Liability for Small Business: What It Covers and What It Costs
The case for cyber: ransomware, wire fraud, business email compromise, and breach response — typically $700–$3,500/year for small operations.
Coverage guidance
Employment Practices Liability (EPLI): Why Every Employer Should Carry It
What EPLI does, how it works alongside workers' comp, and the typical premium for small and mid-size employers.
Carrier access
Access to 100+ A-rated commercial markets
As an independent agency we shop 100+ admitted and surplus-lines carrier markets — so the carrier competes for your business, not the other way around.
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Next step
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