RealProEandO Real Estate Appraisal Errors and Omissions Insurance
Mercer Consumer offers the RealProEandO Real Estate & Appraisal Errors and Omissions Insurance program to help independent agents place professional liability coverage for real estate professionals and appraisers. This program is designed to be flexible, competitively priced, and easy to place — with options tailored to firms, individual agents, and individual appraisers.
Your Own Branded Portal
For qualified partners, Mercer Consumer provides an online portal that can be branded to your agency. Your clients can point, click and bind coverage under your agency’s name with low touch. All customer communications display your logo so you continue to control client relationships and messaging.
Program Overview
RealProEandO is a focused Errors & Omissions (E&O) program underwritten by General Star Insurance Company and distributed by Mercer Consumer (Managing General Agency). The program provides professional liability protections that respond when a client alleges negligent acts, errors, or omissions arising from real estate services or appraisal work. Policies are available in a range of limits and terms to match the size and exposure of the practice.
Ideal Accounts and Appetite
- Real estate agents and brokers (individuals and small-to-medium agencies)
- Appraisal firms and appraisal management professionals
- Independent/licensed individual appraisers
The program is best for routine residential and small commercial appraisal work and standard real estate brokerage activities. It is generally not intended for highly specialized or high-limit commercial valuation practices without prior underwriting review.
Coverage Highlights and Advantages
- Professional E&O coverage tailored for real estate and appraisal exposures
- Quotes and policy issuance through a partner-branded portal for low-touch placements
- Underwritten by an admitted carrier (General Star Insurance Company) in available jurisdictions
- Flexible terms that fit firms, individual agents, and individual appraisers
Underwriting Notes & Minimum Premiums
Underwriting focuses on the applicant’s scope of services, claims history, and revenue. Minimum premiums vary by product and jurisdiction; refer to Mercer Consumer for product-specific minimums and submission requirements. Larger firms, high-limit requests, or accounts with recent or significant prior claims may require supplemental information or referral to underwriting.
Territories and Admitted Status
Available in: AL, AZ, AR, CA, CO, 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, DC, WI, WY. Admitted availability varies by state — Mercer Consumer places this program in all available markets where admitted placement is supported by the carrier.
Why Work With Mercer Consumer on RealProEandO
As a Managing General Agency, Mercer Consumer combines specialty underwriting access (General Star Insurance Company) with broker-friendly service: easy portal placement, branded client experience, and responsive underwriting for typical real estate and appraisal exposures. This program helps you reduce placement friction and keep relationships under your agency brand.
Example Accounts
- A small residential appraisal firm seeking a professional liability policy for multiple licensed appraisers with standard residential assignments.
- An independent real estate agent or a two-agent brokerage that needs E&O coverage with straightforward underwriting and the ability to bind online under the agency brand.
For more information on RealProEandO Real Estate / Appraisal Errors and Omissions Insurance or any other product offered by Mercer Consumer, please contact us through your usual Mercer Consumer wholesaler channel or visit the Mercer Consumer company profile on CompleteMarkets.
Frequently Asked Questions
What types of accounts are a good fit for RealProEandO?
Small-to-medium real estate brokerages, individual agents, appraisal firms, and independent appraisers performing routine residential and small commercial valuations are the primary fit. Larger, highly specialized commercial valuation shops should be referred to underwriting for review.
Which carrier underwrites this program?
The RealProEandO program is underwritten by General Star Insurance Company and distributed by Mercer Consumer (Managing General Agency).
Is the program available in my state?
The program is offered in the listed states and in all markets where admitted placement is supported. Availability and admitted status can vary by state, so check with Mercer Consumer for specific state placement options.
How are quotes and policies issued?
Qualified agents can use Mercer Consumer’s partner-branded online portal to quote and bind many standard accounts. More complex risks may require manual underwriting and supplemental submission materials.
What are the minimum premiums?
Minimum premiums vary by product and jurisdiction. Contact Mercer Consumer for product-specific minimum premium information and submission requirements.
Need help placing an account? Connect with a market specialist.