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...counts that recently launched an appraisal business or experienced appraisers ...ommercial appraisers, trainees, and appraisal firms with two or more professio...

...g tailored E&O solutions for the appraisal industry. Since 1994, our program h...licensed real estate appraisers and appraisal firms focused solely on appraisal services, whether residential or...

RealProEandO Real Estate Appraisal Errors and Omissions Insurance M...tate brokerages, individual agents, appraisal firms, and independent appraiser...

...ppraisers Independent or small appraisal firms New and experienced apprais...ndent real estate appraisers, small appraisal firms, and professionals involve...

...age property portfolios, perform appraisals, or operate as independent practit...tands common real estate exposures (appraisals, property management, open hous...

Victor O. Schinnerer & Company, Inc. offers a claims-made Real Estate Errors & Omissions (E&O) program designed for a broad range of real estate professionals. The program is underwritten through CNA and is administered by Schinnerer as a Managing General Underwriter. Coverage can be tailored to individual firm operations and risk profiles, and Schinnerer's Real Estate E&O program is the exclusive E&O insurance partner for the NATIONAL ASSOCIATION OF REALTORS® (mortgage brokers excluded). Overview of the Program This Real Estate E&O program provides professional liability protection for errors, omissions and negligent acts arising from real estate services. The policy is written on a claims-made basis and is intended for agents, brokers and related professionals whose exposures arise from residential, commercial and transactional real estate activities. Limits and deductibles are flexible to match different firm sizes and exposures. Ideal Accounts and Appetite Residential real estate agents and small-to-mid sized brokerages Commercial real estate professionals and leasing agents Independent and certified appraisers Auctioneers and transactional specialists Property managers and firms providing leasing or tenant-placement services Mortgage brokers (note: excluded from the NAR partnership) Schinnerer typically looks for traditional real estate operations with documented procedures, reasonable transaction volume for the firm size, and standard commission and contract practices. Excessive specialty exposures (large construction escrow handling, major development projects, or high-volume mortgage lending) may require supplemental underwriting or alternative markets. Coverage Highlights and Advantages Claims-made E&O wording tailored to real estate operations Flexible limits up to $5 million Deductibles starting at $1,000 and premium options that begin at $500 Program underwriting through CNA—strength and claims handling experience Customizable endorsements to address common real estate exposures (e.g., transactional errors, failure to disclose, misrepresentation) Schinnerer’s direct relationship with the NATIONAL ASSOCIATION OF REALTORS® supports placement for REALTOR® members (mortgage brokers are excluded from that affiliation) Underwriting Notes and Minimums Policies are underwritten on a firm-by-firm basis. Important submission elements include current application, loss runs (typically last 5 years), copies of standard listing and purchase agreements, and a description of risk management procedures. Because this is a claims-made program, pay attention to retroactive dates and prior acts coverage when negotiating placement. Premiums, deductibles and limits are flexible; the program lists premiums starting at $500, deductibles starting at $1,000, and limits up to $5,000,000. Larger or more complex accounts may require excess placement or individualized underwriting and pricing. Territories and Availability Available through Victor O. Schinnerer & Company, Inc. as a Managing General Underwriter and placed with CNA. Territories: 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, DC, WV, WI, WY. The program can be written on admitted or non-admitted paper where applicable; confirm state-specific filing and availability. Why Work With Victor O. Schinnerer on This Business Schinnerer brings program underwriting expertise specific to real estate E&O and direct access to a carrier with national capacity (CNA). The program supports REALTOR® members through Schinnerer’s exclusive relationship with the NATIONAL ASSOCIATION OF REALTORS® (mortgage brokers excluded), which can simplify placement for those firms. Flexible limits and endorsements make this program a good fit for a range of firm sizes, from single-agent practices to larger brokerages and property management firms. Schinnerer provides underwriting guidance and risk management considerations that help you present accounts effectively and secure competitive terms. Example Account Scenarios You have a six-agent residential brokerage seeking primary E&O limits of $1 million with a low deductible and professional liability wording that includes transactional endorsements—this program can provide tailored pricing and coverage. A regional property management firm that handles leasing and tenant placement wants higher limits and customized endorsements for management errors—Schinnerer can evaluate and structure appropriate limits and wording, with excess placement if needed. Frequently Asked Questions What types of real estate professionals are a good fit for this program?The program suits real estate agents, brokers, appraisers, auctioneers, leasing agents, property managers and many commercial real estate professionals. Appetite is best for firms with standard transactional operations rather than unusual or highly specialized exposures. Is this coverage claims-made and what should I watch for?Yes — the policy is claims-made. Verify the retroactive date, any prior-acts coverage, and whether tail or extended reporting period options are available when binding or renewing a policy. What limits, deductibles and premium levels are available?The program offers limits up to $5 million, deductibles starting at $1,000, and premium entry points shown starting at $500. Actual pricing depends on firm size, operations, loss history and requested endorsements. Which states is this program available in?Victor O. Schinnerer’s Real Estate E&O program is available in the states listed in the storefront (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, DC, WV, WI, WY). Confirm state-specific availability and filings when submitting. What submission materials does Schinnerer typically require?Provide a current application, recent loss runs, representative contracts (listing/purchase/management agreements), and a summary of firm operations including transaction volume and risk management practices. These materials help expedite underwriting and obtain competitive terms. Need help placing an account? Connect with a market specialist.

Overview of the Program from Preferred Concepts LLC Preferred Concepts LLC offers access to a Real Estate Professional Liability program administered by Mercator Risk Services. This program provides tailored professional liability solutions for a wide range of real estate-related professionals and operations. If you place real estate accounts, this market can help you address errors & omissions exposures, reputation risks, and claims arising from professional services and advisory activities. Who this program is designed for Real estate agents and brokers Property managers and condominium associations Escrow and closing agents Licensed appraisers Mortgage brokers and bankers Home inspectors and field investigators Land surveyors Radon and environmental testing professionals Ideal accounts and appetite This program is a good fit for typical small-to-mid-size professional practices and firms that provide real estate-related services. Mercator Risk Services also handles hard-to-place, distressed, and unusual accounts — so you can submit higher-risk files or accounts with prior claims that need a specialist underwriting review. Fits: independent agents, small brokerages, single-location appraisers, local property managers, home inspectors with routine business operations. Consider for harder placements: accounts with prior E&O claims, unusual operations, or elevated exposures — underwriting will evaluate on a case-by-case basis. Typically not a fit: large national brokerages with complex deployment models (submit for review), or operations outside typical professional service exposures without prior conversation with underwriting. Coverage highlights and advantages Professional liability (E&O) coverage for acts, errors, and omissions arising from professional services. Flexible limits and policy structures through access to various carriers. Ability to consider non-standard and higher-risk accounts that many admitted markets decline. Underwriting support from Mercator Risk Services for complex or distressed placements. Underwriting notes and minimums Underwriting decisions are made by Mercator Risk Services with access to multiple carrier partners. Provide detailed applications, loss runs, and any contracts or engagement letters to speed review. Minimum premium and program terms vary by carrier and state — please contact the underwriting team to confirm minimum premiums and available limits for a specific submission. Territories and availability This program is available 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. Coverage availability and terms can vary by state and carrier. How to place business and contact Preferred Concepts LLC brokers and agents can submit accounts to Mercator Risk Services for review. For specific submissions, underwriting questions, or placement assistance, call (860) 527-9717 or send an e-mail to [email protected]. You can also review Mercator's product information and applications on their website at www.mercatorpro.com. Why work with Preferred Concepts LLC and Mercator Risk Services on Real Estate Professional Liability Specialized underwriting for real estate-related professional risks. Access to multiple carriers and the ability to consider hard-to-place risks. Responsive support for agents when accounts require explanation or tailored terms. Example accounts that often place well here A single-office residential appraiser with limited prior claims seeking professional liability limits and defense cost coverage. A property management firm with multiple small rental properties and routine tenant disputes looking for an E&O policy that complements their general liability program. Frequently Asked Questions What types of real estate professionals are a good fit for this program?Agents, property managers, escrow agents, appraisers, mortgage brokers, home inspectors, surveyors, and radon testers are common fits. The program also accepts harder-to-place or distressed accounts for underwriting review. What information does underwriting need for a submission?Provide a completed application, current loss runs (if any), a description of operations, standard contracts or engagement letters, and any prior discipline or licensing issues. Detailed files speed the review and improve placement chances. Are prior claims acceptable?Yes — Mercator Risk Services will consider accounts with prior E&O claims. Acceptance depends on the claim history, corrective actions taken, and the nature of the operations; each file is reviewed individually. How quickly can I expect a decision?Turnaround depends on the complexity of the submission and the completeness of documentation. Straightforward accounts may receive quick decisions; complex or high-exposure files require more detailed underwriting and may take longer. Need help placing an account? Connect with a market specialist.

...ms on a homeowners policy No Appraisals or Inventories Required – For most...olitical memorabilia, and more. Are appraisals required for every item?No, appraisals or inventories are not required...

...approaches based on professional appraisals or agreed values Consideration f...aintenance records, pilot logs, and appraisals for higher-value or operational...

Advanced E&S Group - Southeast Region offers a specialized Jeweler's Block / Retail Elite Insurance Program tailored to meet the unique risks faced by high-end jewelry operations. Whether your client is a retail jeweler, custom designer, appraiser, wholesaler, or a manufacturer, this program is built to deliver comprehensive protection for valuable inventory and operations. Ideal Accounts and Appetite This program is ideal for a wide range of jewelry-related businesses, including: Retail jewelry stores Fine jewelry designers and custom jewelers Wholesale and manufacturing jewelers Appraisers and repair shops Coin dealers and private collectors Fine arts and sports memorabilia dealers You might have a client who operates a high-value retail jewelry store with frequent trade show participation, or a custom jeweler sending pieces across the country. These are the types of accounts this program is designed to protect. Coverage Highlights and Advantages The Jeweler's Block / Retail Elite Insurance Program offers broad and flexible coverage, including but not limited to: Stock Coverage limits up to $2,000,000 (higher limits available) Property in transit by First Class or Registered Mail Coverage for transit by armored car service Safe Deposit/Vault (SDV) coverage Property temporarily at dealers, jobbers, or manufacturers for repair Coverage for property in the custody of salespeople or selling agents Transit by customer parcel delivery services Trade show, travel, and exhibition coverage Money in a locked safe Coverage for patterns, molds, models, and dies Improvements and betterments made to premises Business personal property (BPP) such as furniture, fixtures, and equipment, including wind coverage Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the nature, size, and location of the business. Each submission is individually underwritten to ensure tailored protection that fits the client’s specific exposures. Additional underwriting consideration may apply for high-value schedules or clients with travel and exhibition risk. Territories and Availability This program is available on a non-admitted basis in most U.S. states, including but not limited to FL, GA, TX, NY, CA, and over 45 others. Advanced E&S Group works with various carriers to provide access to competitive markets across these territories. Why Work With Advanced E&S Group As a Managing General Agency (MGA) with deep experience in specialty risks, Advanced E&S Group brings underwriting expertise and market access that independent agents and brokers can rely on. Their Jeweler's Block / Retail Elite Program is structured to address the niche needs of high-value and mobile inventory, offering flexibility and protection that standard property policies often lack. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail jewelers, custom designers, wholesalers, manufacturers, and specialty dealers such as coin or memorabilia shops. Is this program available in all states?The program is available in most U.S. states on a non-admitted basis, including FL, TX, CA, NY, and many others. What is the minimum premium for coverage?Minimum premiums vary based on the type, size, and exposures of the account. Submissions are individually underwritten. Does the policy cover jewelry in transit?Yes, the program provides coverage for property in transit via registered mail, armored car, and customer parcel delivery services. Can this program accommodate clients with trade show exposure?Yes, trade show, travel, and exhibition coverage is included, making it suitable for clients who regularly attend events. Need help placing an account? Connect with a market specialist.