Real Estate Errors & Omissions Insurance

Ideal Accounts and Appetite

This program is designed for a broad range of real estate professionals, including:

• Residential and commercial real estate agents and brokers
• Property managers and leasing agents
• Appraisers
• Mortgage brokers
• Business brokers
• Title agency operators

It is especially appropriate for firms that list and sell owned residential properties—whether primary residences or investment homes—where agents or brokers may act as owner-agents. Optional coverage can be considered for firms with development or construction exposure through affiliated entities or family members of agents, subject to underwriting review.

Coverage Highlights and Advantages

• Coverage for the listing and sale of owned residential properties by agents or brokers (subject to policy conditions)
• Optional inclusion of properties developed or constructed by affiliated entities, on a case-by-case basis
• Deductible reduction feature—50% reduction (up to $10,000) under qualifying conditions
• Available extensions for Mortgage Brokering, Business Brokering, and Title Agency operations
• Full-limit Pollution Coverage options for covered operations
• Fair Housing Coverage available, including options that provide the full policy limit

All insureds in this program are automatically members of the Custom Realty Risk Purchasing Group Association, which provides access to practical, value-added services:

• InfoSource – a 24/7 helpline staffed by professionals experienced in real estate liability to help mitigate issues before they escalate
• Risk Management Services – topical guidance and optional custom services to help reduce exposure
• PAPER CHASE Newsletter – curated insights from industry experts, legal advisors, and claims professionals to keep your clients informed

Underwriting Notes and Minimum Premiums

This is a non-admitted program underwritten by Diamond State Insurance Company. Coverage terms, limits, and pricing are subject to underwriting review. While no specific minimum premium is published, submission quality, account size, and claimed exposures will influence pricing and final terms. Deductible reductions and optional enhancements are available when accounts meet qualifying criteria.

Territories and Availability

The Real Estate E&O program is available to agents and brokers placing risks in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.

Why Work With Geo. F. Brown & Sons, Inc.?

GFB brings more than two decades of focused real estate E&O underwriting and claims management experience. Their niche expertise, practical risk-management tools, and direct underwriting approach make them a strong placement option for brokers who need stable, specialized E&O capacity. The program pairs underwriting consistency with services that help insureds prevent and respond to allegations of professional liability.

Example accounts that often fit well:

• A mid-sized residential brokerage that needs E&O coverage for agents who occasionally list and sell properties they personally own.
• A property management firm seeking E&O protection plus optional extensions for leasing and mortgage-broker activities.

If you work with brokers, solo agents, title operators, or small-to-mid-sized firms that need focused real estate professional liability solutions, GFB’s program is worth considering.