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The Herbert H. Landy Insurance Agency, Inc
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The Herbert H. Landy Insurance Agency, Inc
Contact Us
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Real Estate Agents & Brokers Errors & Omissions Insurance

Comprehensive E&O Insurance for Real Estate Professionals from The Herbert H. Landy Insurance Agency, Inc.

The Herbert H. Landy Insurance Agency, Inc. offers a focused Errors & Omissions (E&O) insurance program designed for real estate professionals. Built for agents, brokers and firms operating in residential and commercial markets, this program is underwritten by Great American Insurance Company and Great American Assurance Company—both admitted carriers with broad national capacity—delivering admitted paper and strong financial backing.

Ideal Accounts and Eligible Professionals

This Real Estate E&O program fits a wide range of real estate service providers:
  • Real estate firms of varying sizes
  • Independent real estate agents and brokers, including independent contractors
  • Property management companies
  • Real estate appraisers (residential and commercial)
  • Real estate auctioneers
If you place accounts that manage property portfolios, perform appraisals, or operate as independent practitioners, this program is designed to cover those professional exposures.

Coverage Features and Advantages

The program includes a robust set of enhancements and optional coverages that address common E&O exposures for real estate professionals:
  • Drone usage bodily injury and property damage coverage*
  • Fraudulently Induced Fund Transfer coverage — up to $25,000*
  • Sellers Shield™ deductible waiver (where available)*
  • $0 deductible option for applicants using the Real Estate Express Application*
  • Public Relations Crisis coverage — $15,000 per incident / $30,000 per policy period
  • Disciplinary Actions — up to $50,000 per policy period
  • Subpoena Assistance — $25,000 per policy period
  • Fair Housing Discrimination — $500,000 included, higher limits available
  • Open house and lockbox coverage — full policy limits for bodily injury and property damage
  • Unlimited claim expenses (except in NY & CA)
  • Optional coverages for mortgage brokers, construction/development exposures, business brokers, and EPLI
  • Unlimited extended reporting period for retirees, death, or disability
  • Confidential legal hotline included
*Available in most states with effective dates of 11/1/17 or later, pending state approval.

Flexible Underwriting and Application Options

Landy provides flexible underwriting and a streamlined Real Estate Express Application to speed placement. Financing is available with no credit check required, and a two-year policy option may be offered for qualifying accounts to lock in premium and reinstate limits — a useful feature for agents placing long-term programs.

Territories and Admitted Availability

This program is available in most U.S. states on an admitted basis where the carriers are licensed. Available territories include: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, DC, WV, WI, WY. Policies are written on an admitted basis in the states where the carriers are admitted.

Why Work with The Herbert H. Landy Insurance Agency, Inc.?

As a Managing General Agency with decades of professional liability experience, Landy combines underwriting expertise with responsive service. Agents benefit from:
  • Access to admitted carriers with national capacity
  • Underwriting that understands common real estate exposures (appraisals, property management, open houses, etc.)
  • Streamlined applications and optional financed payments to ease placement
  • Policy features tailored to real estate workflows, including open house and lockbox protections
Example scenarios that fit well:
  • You have a solo agent who lists residential properties and wants a low-deductible admitted policy with PR crisis support and subpoena assistance.
  • You represent a mid-sized property management firm that needs E&O protection, fair housing limits, and optional EPLI for employee exposures.

Frequently Asked Questions

What types of accounts are a good fit for this E&O program?

This program is ideal for real estate agents, brokers (including independent contractors), appraisers, property managers, and real estate auctioneers. Both solo professionals and firms are eligible.

Are there deductible options available?

Yes. Multiple deductible options are offered, including a $0 deductible for applicants using the Real Estate Express Application, subject to underwriting approval.

Is coverage available in all states?

The program is available in most U.S. states (listed above) and is written on an admitted basis where the carriers are licensed.

Does the policy include coverage for property damage during open houses?

Yes. The policy includes full limits for bodily injury and property damage related to open house and lockbox incidents.

What carriers back this E&O program?

The program is underwritten by Great American Insurance Company and Great American Assurance Company, both admitted insurers with nationwide capacity.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A+ Superior
  • Commission:
    Competitive
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

100 River Ridge Drive, Suite 301
Norwood, MA 02062
800-336-5422
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The Herbert H. Landy Insurance Agency, Inc has other insurance programs like Accountants Professional Liability Insurance.