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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Title Agent Insurance program designed to protect Title and Escrow Agents from the financial impact of professional liability exposures. This Professional Liability Errors and Omissions (E&O) coverage is structured to help safeguard your clients against claims resulting from errors or omissions in the course of providing title services. Whether the claim arises from an alleged failure to disclose information or a mistake in processing documentation, this program provides essential protection for your insureds and peace of mind for your agency. Ideal Accounts and Appetite This program is ideal for independent Title Agents, Escrow Officers, and small to mid-sized agencies focused on real estate closings, title searches, and escrow services. If you have clients who are involved in issuing title insurance policies or facilitating real estate transactions, this market can be a great fit. Colonial General works with a range of carriers to help find suitable coverage for both standard and hard-to-place risks. Example accounts that fit well include: A small title agency in New Mexico handling residential and occasional commercial closings. An escrow firm in Arizona that contracts with real estate professionals and lenders. Coverage Highlights and Advantages The E&O program offers flexible limits starting at $100,000 and $300,000, with deductibles as low as $1,000. Coverage includes both defense and indemnity for covered claims, even if the allegations are groundless. This is particularly important in the highly detailed and time-sensitive world of title services, where even minor oversights can lead to costly legal disputes. Key features include: Defense and settlement costs covered for professional liability claims. Coverage tailored to Title and Escrow professionals. Competitive minimum deductible options. Access to multiple carriers for flexible underwriting solutions. *Coverage terms and premium will vary based on the carrier that the risk is placed with. Underwriting Notes and Minimum Premiums Colonial General evaluates each submission based on the size of the agency, scope of services, claims history, and jurisdiction. While premiums vary depending on the risk profile and market, the agency works to provide competitive pricing and responsive underwriting support. Deductibles and limits can be customized to meet your clients’ needs. Territories and Availability This Title Agent Insurance program is available to agents and brokers placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some territories, and Colonial General also has access to non-admitted solutions when needed. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche professional liability placements. Their strong carrier relationships and regional focus allow them to offer tailored solutions for Title and Escrow professionals in the Western U.S. With fast turnaround times, responsive service, and underwriting flexibility, Colonial General is a trusted partner for agents and brokers seeking reliable E&O coverage options for title-related businesses. Frequently Asked Questions What types of accounts are a good fit for this program?Independent Title Agents, Escrow Officers, and small to mid-sized agencies that specialize in real estate transactions are ideal candidates for this coverage. Is this program available in admitted markets?Yes, admitted markets are available in some states, but the program also offers access to non-admitted carriers depending on the risk and location. What limits and deductibles are available?Limits start at $100,000 and $300,000, with deductibles as low as $1,000. Higher limits and customized deductibles may also be available based on underwriting. Which states does this program cover?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Does the policy cover defense costs for groundless claims?Yes, the policy includes coverage for the defense and settlement of covered claims, even if the allegations are groundless. Need help placing an account? Connect with a market specialist. ...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Errors & Omissions (E&O) insurance program specifically for insurance agents and brokers. With access to a range of A.M. Best A+ rated admitted and non-admitted carriers, Colonial General can help you place dependable professional liability coverage with competitive pricing and broad terms tailored to agency operations. Ideal Accounts and Appetite This program is designed for retail insurance agents and brokers in the western U.S. who need professional liability protection for their advisory and transactional work. Typical fits include agencies that: Sell personal and commercial lines Provide employee benefits counseling and enrollment services Perform notary public duties or other related professional services Are involved in mutual fund and annuity sales Coverage is also available for independent contractors and temporary staff operating under an agency’s supervision. The program works well for solo practitioners and small agencies with clean loss histories as well as mid-sized agencies that have more specialized exposures. Coverage Highlights and Advantages Colonial General’s E&O policies include a range of features that help protect insureds from claims alleging professional errors, omissions, or negligent acts. Key advantages include: Access to both admitted and non-admitted markets with A+ rated carriers Coverage for independent contractors and temporary staff Protection for mutual fund and annuity sales Broad professional services definition that includes notary public, employee benefits counselor, and insurance agent/broker roles Coverage for care, custody & control of clients’ records Catastrophe extra expense reimbursement Defense costs available both inside and outside the limits Optional "First Dollar Defense" through select carriers Limits of liability from $1 million...ubmission through binding. You might have a client who recently added annuity or mutual fund sales and needs E&O coverage that includes financial products — this program can address that exposure. Or you may represent a regional agency with producers operating in multiple western states that requires consistent coverage and reliable claims handling. Colonial General’s markets are structured to accommodate both scenarios. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program is ideal for retail insurance agencies and brokers offering personal and commercial lines, employee benefits counseling, and financial products such as annuities or mutual funds. Is coverage available for independent contractors?Yes. The program includes coverage for independent contractors working under an agency, which accommodates agencies that use a mix of employees and contracted producers. What are the liability limits and deductible options?Limits range from $1 million to $5 million, with split-limit options available. Deductible choices include low options starting at $2,500; specific availability depends on carrier selection and account details. In which states is this program available?This Errors & Omissions program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is the minimum premium for this program?The minimum premium begins at $1,500, making the program a cost-effective option for smaller agencies and solo practitioners with favorable loss histories. Need help placing an account? Connect with a market specialist.

U.S. Risk Underwriters has the markets and expertise to help you place coverage for your Title Agent accounts. With a dedicated in-house underwriting team and access to top-rated markets, U.S. Risk Insurance Group, Inc. offers a national Title Agents Errors & Omissions (E&O) program designed to protect professionals in the title industry. Our specialists provide responsive service and fast turnaround on quotes, helping you meet your clients' needs efficiently. This program is written through an A+ XV rated carrier and is available in most states across the U.S. It features low minimum premiums starting at $2,500 and competitive rates structured to support agencies of all sizes. Ideal Insureds Include: Title Insurance Agents Escrow Agents Title Abstractors Title Searchers Closing Agents Notary Publics Whether your client is a solo notary or a multi-state title agency, this program is designed to address the professional liability exposures unique to their operations. You might have a client who conducts real estate closings and manages escrow accounts—this program can help protect them from claims arising from errors, omissions, or disciplinary actions. Coverage Features: • Prior Acts coverage available • Independent contractor coverage available • Supplemental coverage for disciplinary proceedings • No minimum revenue requirements • Claims expenses included within the limit of liability Limits and Deductibles: • Limits from $100,000 to $1,000,000 per claim and in the aggregate • Deductibles starting at $5,000, applying to both damages and claims expenses Program Availability: U.S. Risk offers this program nationwide in most markets, including 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..., WA, DC, WV, WI, and WY. Why Partner With U.S. Risk: As a leading program administrator, U.S. Risk Underwriters brings deep expertise and strong carrier relationships to the table. Our team is focused on helping independent agents like you successfully place E&O coverage for title professionals, offering you dependable underwriting, consistent communication, and access to competitive products. Frequently Asked Questions What types of accounts are a good fit for this Title Agents E&O program?This program is ideal for title insurance agents, escrow agents, abstractors, title searchers, closing agents, and notaries. Both small and mid-sized firms are eligible, including those using independent contractors. Is prior acts coverage available?Yes, prior acts coverage can be included, subject to underwriting review and approval. Are there revenue restrictions for eligibility?No, this program does not impose minimum revenue requirements, making it accessible for smaller operations as well as larger agencies. What are the minimum premium and deductible requirements?The minimum premium starts at $2,500, with deductibles beginning at $5,000. These apply to both damages and claims expenses. In which states is this program available?The Title Agents E&O program is available in most U.S. states. Please contact U.S. Risk for availability in specific jurisdictions. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. places Travel Agent Insurance with carriers that understand the unique, worldwide exposures of the travel industry. Travel agencies can be named in bodily-injury and third-party liability claims arising anywhere a client travels, so available programs emphasize global protection tied to travel-related operations. Colonial General has access to A.M. Best A+ rated markets and excess & surplus options, allowing you to place a broad range of travel agencies and related operations regardless of itinerary complexity or geographic reach. Overview of the Program From Colonial General This Travel Agent Insurance program is designed for retail and online travel agencies, travel management companies, tour operators, travel consultants, and related service providers. The program blends professional liability (errors & omissions) and general liability solutions tailored for businesses that plan, book, and manage travel. Coverage placements may be offered as admitted paper in some markets and non-admitted or E&S solutions where needed for higher-risk or multi-jurisdictional accounts. Ideal Accounts and Appetite Retail travel agencies and storefront brokers selling packaged tours and air, cruise, and hotel reservations. Online travel agencies and booking platforms arranging domestic and international travel. Corporate travel managers and travel concierges coordinating multi-destination itineraries. Small tour operators and niche specialty travel providers (adventure, destination weddings, group travel) — subject to underwriting review. Accounts that typically fit: agencies with documented booking procedures, use of supplier contracts/waivers, clear refund and cancellation policies, and reasonable annual revenues. Higher-risk operations (e.g., on-site guiding, hazardous-activity operators) may require referral or may be ineligible depending on carrier appetite. Coverage Highlights and Advantages Worldwide exposure recognition: policies can be structured to respond to claims arising outside the U.S. tied to the agency’s arrangements. Professional liability (E&O) tailored to travel booking, itinerary mistakes, and supplier errors. General liability solutions available to address third-party bodily injury and property damage connected to agency operations. Access to A.M. Best A+ rated admitted markets where available, plus excess & surplus options for tougher risks. Flexible placement options for multi-state operations across the program’s territory footprint. Underwriting Notes and Placement Considerations Underwriters will evaluate the agency’s scope of services, use of supplier contracts, consumer-facing policies, and loss history. Provide clear details on international operations, third-party suppliers, and whether the agency coordinates travel involving hazardous activities. Documentation such as sample client agreements, website disclosures, and supplier contracts speeds placement and improves terms. Some coverages or limits may be offered on admitted paper in certain states; others will be placed non-admitted depending on risk and territory. Territories and Availability Available in AZ, CA, CO, ID, NV, NM, UT, and WY. Placement may be admitted in some markets and non-admitted in others—availability will depend on the carrier selected and the insured’s specific operations. Why Work With Colonial General on Travel Agent Business Specialized underwriting familiarity with travel-related exposures and worldwide liability issues. Access to multiple A.M. Best A+ carriers plus E&S markets to handle complex or higher-risk accounts. Support for agents who need flexible solutions for both small storefront agencies and online platforms. Practical underwriting guidance on documentation and best practices that improve placement success and reduce uncovered gaps. Example Scenarios You have a small retail agency that books international honeymoon packages and needs professional liability and GL coverage recognizing exposures outside the U.S.—this program can place admitted or E&S paper depending on state and operations. You represent an online booking platform that arranges global travel and wants broader professional liability limits and supplier contract review—Colonial General can access markets familiar with multi-jurisdictional exposures. Frequently Asked Questions What types of travel businesses are a good fit for this program?Retail travel agencies, online travel agencies, corporate travel managers, and small tour operators are the primary fits. Appetite is best for agencies that coordinate travel rather than operate on-site adventure activities; higher-risk operations may need specialized underwriting. Are worldwide claims covered?Yes—underwriters understand that travel agencies face claims arising outside the U.S., and policies can be structured to address worldwide exposures. Coverage specifics and territorial language depend on the carrier and the insured’s exposures. Is this placed on admitted paper or through E&S markets?Colonial General can access both admitted A.M. Best A+ carriers and excess & surplus options. Whether a submission is placed admitted or non-admitted depends on the state, carrier appetite, and account characteristics. What information speeds up underwriting and quoting?Provide a description of services, revenue breakdown, sample client agreements, refund/cancellation policies, supplier contracts, and loss history. Clear documentation of booking procedures and risk controls improves placement speed and terms. Need help placing an account? Connect with a market specialist. ...

Insurance Agent Errors & Omissions Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a competitive Insurance Agent Errors & Omissions (E&O) Program tailored for agencies with annual revenues exceeding $500,000. Designed for retail and wholesale insurance professionals, this program delivers robust protection against professional liability exposures unique to the insurance industry. Whether you're a retail agent, wholesale broker, managing general agent, or program administrator, this specialized E&O solution helps safeguard your business from claims related to professional negligence, errors, or omissions in the course of serving your clients. Ideal Accounts and Appetite This program targets a wide range of insurance professionals, including: Retail Insurance Agents Wholesale Insurance Brokers Life and Property & Casualty Agents Managing General Agents (MGAs) Program Administrators A minimum revenue threshold of $500,000 is required for this program. Agencies below that level may still qualify for alternative E&O solutions through Continental Risk. You might have a client who recently scaled up their operation and now needs higher E&O limits to satisfy carrier requirements. Or perhaps you're working with a multi-state MGA looking for flexible coverage that includes defense outside the limits — this program can address both scenarios. Coverage Highlights and Advantages The Insurance Agent E&O Program is structured to meet the real-world risks faced by insurance professionals. Key features include: Limits up to $10,000,000 Primary and excess coverage options Admitted in most states Duty-to-defend policy form Defense costs available outside the limit of liability No mold or pollution exclusions Coverage for independent contractors First-dollar defense options Limited insurer insolvency exclusion Multi-year extended reporting period options Automatic 60-day post-policy reporting period Personal injury coverage included Underwriting Notes and Minimum Premiums Minimum premiums will vary based on carrier and underwriting factors such as agency size, revenue, and loss history. Continental Risk partners only with carriers rated "A" or better, ensuring quality backing for every policy. While this program is structured for larger agencies, smaller firms may still access E&O options through Continental Risk’s alternative programs. Submissions should include complete applications, revenue breakdowns, and recent loss runs if available. Territories and Availability This program is available in all 50 states and Washington, D.C., offering broad geographic flexibility. Admitted markets are available in most states, depending on the account's characteristics and coverage structure. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker with extensive experience in professional liability, Continental Risk / Continental Marine Insurance Services provides agents and brokers with access to proven markets, responsive service, and tailored solutions. Their deep understanding of the insurance industry ensures that you receive expert guidance when placing complex E&O risks. Whether you're trying to meet a carrier’s E&O requirement for a newly appointed agency or helping a long-time client renew with higher limits and broader coverage, Continental Risk is a reliable partner for your insurance professional liability needs. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program is ideal for retail and wholesale insurance agents, MGAs, life and P&C agents, and program administrators with annual revenues over $500,000. Is this program available for agencies in all states?Yes, the program is available in all 50 states and Washington, D.C., with admitted markets accessible in most states. What are the coverage limits offered?The program offers limits up to $10,000,000, with both primary and excess options available. Are independent contractors covered under this policy?Yes, the program includes coverage for independent contractors, subject to underwriting approval. Can smaller agencies under $500,000 in revenue still get coverage?Yes, Continental Risk offers alternative E&O solutions for smaller firms that do not meet the revenue threshold for this program. Need help placing an account? Connect with a market specialist. ...

Real Estate Agents Insurance — Errors & Omissions (E&O) Real estate agents, brokers, and property managers face a growing blend of professional and property-management exposures as business models evolve. Donald Gaddis Company offers a flexible Real Estate Agents Insurance program designed to help you place accounts that require tailored E&O protection—especially firms that combine sales, leasing, and third-party property management. Ideal Accounts and Appetite This program is intended for residential and commercial real estate professionals whose operations include one or more of the following: Residential agents with light to moderate property management responsibilities Agents and brokers in resort or coastal markets who manage short-term rentals Commercial brokers seeking E&O with GL-style enhancements Property managers handling residential or mixed-use buildings for third-party owners Typical fits: firms with straightforward transaction volumes, mixed sales/management duties, or programs that need discrete sub-limits for lockbox or environmental exposures. Accounts with high-hazard property management (e.g., full-service multifamily operations with on-site maintenance staff and large tenant rosters) may require specialized markets outside this program. Coverage Highlights and Advantages Donald Gaddis Company places this program with a fluid list of carriers to address common exposures real estate professionals confront, including: Misrepresentation — Defense and indemnity for claims alleging incorrect or incomplete information provided to buyers or tenants. Lockbox liability — Available sub-limits for claims arising from property access issues. Environmental exposures — Protection for undisclosed issues such as septic failures or historical soil contamination. Contractual errors — Coverage for mistakes in contracts, late submissions, or negligent vendor referrals. Property management liability — Defense for suits brought by property owners and tenants related to management services. Tenant discrimination — Offered by select carriers via separate limits or modified exclusions. We work with you to identify policy wording and endorsements that align with each client’s operational footprint and risk appetite. Underwriting Notes and Minimum Premiums Programs are competitively priced and start as low as $400 for many residential agents and approximately $1,000 for commercial agents, depending on location and exposure. Underwriting focuses on transaction volume, prior claims or disciplinary history, property management duties, and whether short-term rentals are managed. Clear, complete submissions with details on management activity, screening procedures, and contracts improve placement speed and market options. Territories and Availability Donald Gaddis Company offers this Real Estate Agents E&O program in most states, including: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Admitted markets are available in many of these states depending on the risk and carrier appetite. Why Work With Donald Gaddis Company? As a wholesale broker with deep experience in professional liability and real estate exposures, Donald Gaddis Company pairs carrier access with hands-on underwriting guidance. You gain: Access to a fluid panel of carriers that can offer admitted and non-admitted solutions depending on the state and risk Practical placement advice to match coverage form and limits to the client’s duties Assistance negotiating endorsements for lockbox, environmental, and tenant-related exposures Whether your client is a suburban residential agent adding property management, a coastal agent managing short-term rentals, or a commercial broker seeking E&O with GL-style enhancements, Donald Gaddis Company helps you identify the right market and policy language. Example Account Scenarios You have a small residential brokerage in a beach town that lists homes and manages several short-term rentals for absentee owners — this program can provide E&O with lockbox and environmental considerations. You represent a commercial broker who performs leasing and property oversight for several mixed-use properties and needs E&O with property management liability included — we can target carriers that offer those combined features. Frequently Asked Questions What types of accounts are a good fit for this program? Residential agents, commercial brokers, and property managers with light to moderate management duties—especially those with mixed sales and management roles—are an excellent fit. Does this program include tenant discrimination coverage? Yes—some carriers in our panel offer tenant discrimination coverage via separate limits or modified exclusions. We’ll identify the appropriate carrier during placement. Are both residential and commercial agents eligible? Yes. We place both residential and commercial real estate professionals; minimum premiums and available enhancements vary by account type and location. Is this program available nationwide? The program is available in most states listed above, with admitted markets offered in many of them depending on carrier appetite and the specific risk. Can this policy cover agents who also manage rental properties? Absolutely. The program is designed to cover agents who also perform property management, including short-term rental management in appropriate markets. Need help placing an account? Connect with a market specialist. ...

Title Agents, Escrow Agents, Title Abstractors E&O Insurance Tennant Risk Services specializes in professional liability (Errors & Omissions) insurance for title agents, escrow agents, title abstractors and related real estate services. We provide tailored E&O solutions through multiple admitted and surplus lines carriers, combining specialty underwriting knowledge with broad market access so you can place challenging accounts quickly and competitively. Overview of the Program from Tennant Risk Services This program is designed for independent agents and brokers who need a dependable market for title and escrow professional liability. Tennant Risk Services evaluates each account’s operations, loss history and territory to match risks with the appropriate admitted or excess & surplus carrier. We offer flexible limits, deductible choices and optional coverages to address common exposures such as escrow errors, closing mistakes, misinterpretation of title work and related professional services. Ideal Accounts and Appetite We write a broad range of title/escrow classes, including: Title agents and title agencies Abstractors and title search firms Escrow agents and escrow companies Loan closers and closing agents 1031 exchange facilitators and real estate intermediaries Document recorders Typical accounts we prefer include established agencies with routine residential and commercial closings, firms offering 1031 exchanges, and operations that provide multiple real estate services under one roof. We also consider startups and newly licensed agents, plus higher-exposure territories and accounts with prior losses where appropriate underwriting and pricing can be applied. Coverage Highlights and Advantages Professional liability / E&O coverage tailored to title and escrow operations Access to multiple carriers — admitted and non-admitted — depending on risk and state Optional extensions such as Cyber Risk (for data breach exposures) and Employment Practices Liability (EPL) Special provisions available for unique exposures (e.g., oil & gas asset classes, independent contractor arrangements) Flexible limits and deductible structures to meet client budgeting and risk tolerance Underwriting Notes and Minimum Premiums Underwriting focuses on operations, controls around closings and escrow handling, staff licensing and loss history. Tennant Risk Services can place tougher accounts: unique business models, multiple services, adverse loss experience or newly formed operations. Minimum premiums vary by carrier and account characteristics; some programs begin at lower entry levels (for example, minimums listed historically as low as $1,750), but final pricing depends on class, limits and territory. Example Accounts You Might Place A small title agency handling residential closings and occasional 1031 exchanges seeking $1M/$1M limits with a competitive premium and optional cyber coverage. A start-up escrow firm with limited experience looking for a professional liability policy with favorable limits and customized first-year underwriting considerations. An established title/escrow operation in a higher-exposure state that needs an E&S placement due to prior claims — Tennant can map the risk to appropriate surplus markets. Territories and Availability Programs are available in many states. Tennant Risk Services places business in: 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...T, VT, VA, WA, DC, WV, WI and WY. Admitted capacity is available in some states; other placements may be written on a non-admitted or surplus lines basis depending on carrier appetite and state rules. Why Work With Tennant Risk Services Tennant Risk Services brings specialty title/escrow underwriting experience, responsive service and wide market relationships. We support retail agents and brokers with quick submissions handling, pragmatic underwriting on tougher risks and access to carriers that understand real estate professional exposures. To discuss a specific client challenge or submit an account, please call or email submissions@tennant.com (submissions@tenannt.com). Put our Title E&O expertise to work for you. Frequently Asked Questions What types of title and escrow accounts does this program write?Tennant Risk Services writes a wide range of accounts: title agents, abstractors, escrow agents, loan closers, 1031 exchange facilitators and related document recording services. Appetite spans startups to established agencies, and including some higher-exposure territories and multi-service firms. Are admitted policies available or is this surplus-only?We place business with both admitted and surplus lines carriers. Admitted capacity is available in some states; other accounts may require non-admitted placements depending on the risk profile and state regulations. What submission information do you typically need?Underwriters generally request an application, current and prior loss information, descriptions of operations and service lines, licensing details, and any controls around escrow and closing procedures. Additional documents may be requested for complex or high-limit submissions. Can I add cyber or employment practices coverage to a title E&O policy?Yes. Tennant can provide options for Cyber Risk (data breach) and Employment Practices Liability as part of a broader placement, subject to carrier availability and underwriting review. Need help placing an account? Connect with a market specialist.

Real Estate Agents face a wide range of professional liability risks—regardless of experience or how diligent they are in serving their clients. From errors in property listings to disputes over disclosures and contracts, the potential for claims is ever-present. That’s why it’s essential for agents and brokers to help their real estate clients secure comprehensive coverage designed for their unique exposures. Real Estate Agent Insurance Solutions From Prime Insurance Company With more than 30 years of underwriting experience, Prime Insurance Company offers tailored liability insurance solutions for real estate professionals. Our program is specifically designed to address the risks faced by both individual agents and firms working in real estate sales, appraisals, and auctions. We understand that real estate professionals often prioritize client needs over their own risk management, so we help you deliver peace of mind with flexible, responsive coverage options. Ideal Accounts and Target Classes This program is ideal for a wide range of real estate professionals, including: Independent Real Estate Agents Real Estate Firms Appraisal Firms Auctioneers Independent Brokers If you have clients who are launching new real estate ventures or expanding into high-risk property types, Prime can often offer options where others decline. For example, you might have a client who’s a sole proprietor real estate agent handling both residential and commercial listings—this type of account is a strong fit for our program. Coverage Highlights and Advantages Professional liability tailored to real estate professionals Legal defense and indemnity coverage for covered claims No minimum premium requirements Coverage available for both admitted and non-admitted markets Fast turnaround—quotes typically within 48 hours; same-day quotes available upon request In the event of a claim, Prime Insurance Company will be the trusted partner you and your client need, providing legal defense and covering damages up to the policy limit. Underwriting Notes and Submission Requirements We do not have a minimum premium requirement, giving you the flexibility to place accounts of all sizes. However, we require complete and accurate submission documentation before binding coverage. This ensures we can offer the best possible terms and pricing for your client’s risk profile. Territories and Availability This Real Estate Agents program is available in all 50 states and Washington, D.C., including 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... DC, WV, WI, and WY. Why Work With Prime Insurance Company? As a carrier with deep expertise in niche liability markets, Prime Insurance Company offers flexible underwriting, responsive turnaround times, and a broad appetite for real estate-related risks. Whether you're working with a startup real estate firm or a seasoned independent agent, we can help you deliver custom insurance solutions that protect your clients and strengthen your relationships. Partner with Prime to access a reliable, experienced market that understands the unique challenges of insuring real estate professionals. Frequently Asked Questions What types of accounts are a good fit for this Real Estate Agents program?This program is ideal for independent real estate agents, real estate firms, appraisal firms, auctioneers, and independent brokers across both residential and commercial sectors. Is there a minimum premium required to bind coverage?No, Prime Insurance Company does not require a minimum premium. However, all required documents must be submitted before coverage can be bound. How quickly can I get a quote for my client?Quotes are typically provided within 48 hours. Expedited, same-day quotes are available upon request for urgent submissions. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C. What makes Prime Insurance Company a strong partner for real estate risks?With over 30 years of underwriting experience, Prime offers flexible, customized solutions and a strong legal defense capability for real estate professionals facing liability claims. Need help placing an account? Connect with a market specialist.

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..., 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.

Real Estate Agent Insurance Program from Alexander J. Wayne & Associates, Inc. One in every five real estate agents or brokers will face a lawsuit during their career—don’t let your clients become just another statistic. Alexander J. Wayne & Associates, Inc. offers a dedicated Real Estate Agent Insurance program designed to meet the unique challenges and risks faced by professionals in today’s evolving real estate landscape. We understand the wide range of roles within the real estate industry and have built a program to serve them all—from residential brokers to property managers to home inspectors. With strong carrier relationships and underwriting expertise, we can help you place both standard and hard-to-place risks. Ideal Accounts and Eligible Classes Our program is tailored to cover a broad spectrum of real estate professionals, including: • Asset Managers • Facilitators • Lead Paint Inspectors • Mortgage Bankers and Mortgage Brokers • Mortgage Field Representatives • Residential Real Estate Agents / Brokers • Real Estate Consultants • Home Inspectors • Leasing Agents • Property Managers • Residential Real Estate Appraisers • Relocation Consultants If you work with real estate professionals who operate independently, manage multiple properties, or provide inspection or consulting services, this program is built to help you meet their diverse insurance needs. Coverage Highlights and Policy Enhancements Our Real Estate Agent Insurance program offers comprehensive coverage options, including several valuable enhancements that address real-world exposures: • Coverage for Independent Contractors: Extends protection to 1099 real estate professionals. • Lock Box Coverage: Covers property damage caused by compromised lock boxes. • Pollution Coverage: Provides protection against environmental hazards or contamination claims. • Discrimination Coverage: Protects against allegations of discrimination in hiring or client interactions. • Personal Injury Coverage: Covers libel, slander, and defamation, especially relevant for online content. • Punitive Damages Coverage: Included where insurable by law. • Automatic Coverage for Acquired Subsidiaries: Streamlines coverage for small acquisitions. • Common Ownership: Covers residential property sales involving affiliated development firms. • Real Estate Equity Interest: Extends coverage to sales of owned residential property. This program is especially valuable for clients who manage multiple properties, operate as part of a team of contractors, or have exposure to discrimination or professional liability claims. Underwriting Notes and Minimum Premium We offer flexible underwriting for both standard and hard-to-place risks. Most markets are available on a non-admitted basis, allowing us to tailor coverage to meet specific client needs. Minimum Premium: $2,000 Admitted Status: Most Available Markets Available Carriers: E-risk, Chartis, BRP, PRF, Axis, Schinnerer, Brown and Brown, Gen Star, Hiscox, Kinsale, Lexington, Liberty, US Risk, Houston Casualty, Shand, Specialty Global, USLI, Travelers, Tudor, Pearl Program, Landy Territories and State Availability This program is available in most U.S. states, including but not limited to: CA, TX, NY, FL, IL, GA, AZ, CO, WA, and more. We offer national reach with localized underwriting support. Why Work With Alexander J. Wayne & Associates, Inc.? As an experienced Excess & Surplus Lines Broker, Alexander J. Wayne & Associates, Inc. brings decades of experience in placing professional liability and E&O risks. Our Real Estate Agent Insurance program combines underwriting expertise with access to a wide range of carriers, helping agents and brokers like you place coverage that fits your client’s operations and risk profile. Whether you’re working with a startup residential broker or a large firm with multiple affiliated services, we’re here to help you find the right coverage solution. Contact us today to learn more about placing real estate risks through our program. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for real estate agents, brokers, appraisers, property managers, inspectors, and other professionals in residential real estate. Independent contractors and firms with multiple service lines are also a strong fit. Is coverage available for hard-to-place or high-risk clients?Yes, our program is designed to accommodate both standard and hard-to-place risks. We work with a wide range of carriers to help you find solutions for complex exposures. Are independent contractors covered under this policy?Yes, we offer specific coverage extensions for independent contractors, ensuring they are protected when operating under your client’s business entity. What is the minimum premium for this program?The minimum premium for our Real Estate Agent Insurance program is $2,000, subject to underwriting and risk details. In which states is this program available?Our program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Contact us for specific state eligibility or restrictions. Need help placing an account? Connect with a market specialist. ...