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Professional Liability Insurance for Real Estate Professionals Fox Point Programs offers a specialized Real Estate Agent Professional Liability Insurance program to help agents and brokers place Errors & Omissions (E&O) coverage for a broad range of real estate professionals. This professional liability coverage helps protect insureds from allegations of negligence, errors, or omissions arising from their real estate services. The program responds to both damages and defense costs, including legal fees and court expenses. Ideal Accounts and Target Classes This program is designed for agents placing accounts for firms and individuals involved in residential and commercial real estate, leasing, property management, and related services. Target classes include: Residential real estate agents and brokers Commercial real estate agents and brokers Leasing agencies Property managers Real estate appraisers* (limited to 10% of total revenue) Real estate auctioneers Real estate consultants Property preservationists *If a client’s operations are 100% appraisal-related, contact Fox Point for their Appraiser-specific program. Whether your client is a solo residential broker or a mid-sized property management firm, this program offers broad eligibility and options that can be tailored to different operations. Coverage Highlights and Advantages Multiple limits and deductible choices to match client needs Defense costs paid outside the policy limits in applicable forms Customizable wording to address specific operations and exposures Access to underwriters experienced in real estate professional liability The program is supported by a variety of carriers and is available on an admitted basis in most states to facilitate placement and regulatory compliance where applicable. Underwriting Notes and Minimum Premiums Underwriting emphasizes the insured’s operations, revenue mix, loss history, and controls. The program accepts main-street to mid-sized accounts; appetite and specific eligibility will depend on class, gross revenue, claims history, and location. Appraiser revenue is capped at 10% unless submitted to the Appraiser-specific program. Download the Application: Real Estate Full Application Minimum premiums vary by class, size, and state. Submit a completed application so Fox Point’s underwriting team can provide specific minimums and pricing guidance. Territories and Availability The program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and NJ. Confirm admitted vs. non-admitted availability and any state-specific restrictions at submission. Why Work With Fox Point Programs? Fox Point Programs is a Managing General Agency with focused expertise in professional liability. Working with Fox Point gives you: Streamlined underwriting built for real estate operations Multiple carrier relationships to help place a variety of risks Responsive service and real-estate-focused underwriting guidance Flexibility for main-street agents up to mid-sized firms Frequently Asked Questions What types of accounts are a good fit for this program?Good fits include residential and commercial agents and brokers, leasing agencies, property managers, auctioneers, consultants, and other real estate professionals. Appraisal services are acceptable only up to 10% of total revenue under this program. Is this coverage admitted in all states?The program is offered on an admitted basis in most states. Confirm state availability and admitted status during submission. Can I submit an account with 100% appraisal revenue?No. This program limits appraisal-related revenue to 10%. For full-appraiser risks, submit to Fox Point’s Appraiser-specific program. What are the minimum premium requirements?Minimum premiums depend on class, size, and location. Provide a completed application so underwriting can determine the applicable minimums. How do I start the submission process?Begin by completing the Real Estate Full Application and submitting it to Fox Point for underwriting review. Underwriters will follow up with any additional requirements. Need help placing an account? Connect with a market specialist.

Fox Point Programs offers a focused Consultants E&O Insurance program that helps protect consulting and advisory professionals from the professional liability exposures common in today’s market. With access to multiple A.M. Best "A" rated carriers and a streamlined underwriting process, this program helps agents place Errors & Omissions coverage for a wide range of service-based professionals. Ideal Accounts and Appetite This program targets entrepreneurs and consultants with up to $1 million in annual revenue. Typical classes include management consultants, business advisors, strategic planners, marketing consultants, and similar professional service providers. Independent contractors are eligible when they work under the insured’s direction. Examples: you might have a sole-practitioner marketing consultant offering project-based services to startups, or a small advisory firm providing strategic planning to mid-market clients—both are strong fits for the self-rating application. More complex risks outside the standard parameters can be submitted to the standard underwriting process for additional consideration. Coverage Highlights and Advantages Broad definition of “Wrongful Act,” including personal and advertising injury — covers claims such as slander, libel, defamation and similar exposures. Independent contractors covered when acting under the direction of the insured. Punitive damages covered where insurable by law. Defense costs for licensing board proceedings included as a policy enhancement. Optional General Liability coverage available for an additional premium to package risks conveniently. Short-form, self-rating applications streamline placement for eligible classes and smaller revenue accounts. Underwriting Notes and Minimum Premiums Fox Point provides both a self-rating application and a standard application depending on revenue thresholds and risk characteristics. The self-rating route accommodates eligible consultants and entrepreneurs with up to $1 million in annual revenues. Minimum premiums and final pricing vary by class, selected limits, optional endorsements, and carrier. Applications Available: Self-Rating Application Class List Entrepreneurs / Consultants Self-Rating Application Self-Rating Application – North Carolina General Liability Supplemental Application Standard Consultants Application Territories and Availability The program is offered broadly across the U.S., including availability in most states and Washington, DC. Fox Point can place admitted coverage in many jurisdictions; availability and terms may vary by state and carrier. Why Work With Fox Point Programs? As a Managing General Agency focused on professional liability, Fox Point Programs gives agents access to top-rated markets and underwriting teams experienced with consultant exposures. Their streamlined applications, responsive underwriting, and flexibility on optional endorsements make it easier for agents to place E&O for small to mid-sized consulting practices. Whether you’re submitting a straightforward self-rated risk or a more complex account that needs manual underwriting, Fox Point provides the tools and market access to help you secure appropriate coverage for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Business consultants, management advisors, marketing professionals and other service-based consultants with up to $1 million in annual revenue are ideal candidates. Is General Liability coverage available?Yes. General Liability can be added as an optional coverage for an additional premium to create a broader package for your client. Can independent contractors be covered?Yes. Independent contractors are eligible when they perform services under the direction of the insured. Which states is this program available in?The program is available in most states and Washington, DC. Admitted availability varies by state and carrier. What kind of application is needed to submit a risk?Eligible accounts may use a simplified self-rating application; more complex or higher-revenue accounts will require the standard consultants application and manual underwriting. Need help placing an account? Connect with a market specialist.

Home Inspectors E&O Insurance from Fox Point Programs Fox Point Programs offers specialized Errors and Omissions (E&O) Insurance tailored for Home Inspectors. Also known as Professional Liability Insurance, this coverage helps protect inspectors and their employees from claims of negligence, errors, or omissions that may arise during the course of their work. As a Managing General Agency with access to a range of carriers, Fox Point can also provide optional General Liability (GL) coverage to further safeguard your clients’ operations. Ideal Accounts and Target Classes This program is designed for licensed Home Inspectors who conduct residential and commercial property inspections. It also has limited availability for compliance and code inspectors. Whether your client is a sole proprietor or operates a multi-inspector firm, Fox Point offers flexible solutions to meet their risk management needs. Examples of suitable risks include: A residential home inspector operating in multiple counties with part-time administrative staff. A commercial property inspector looking for E&O limits up to $1M/$1M and optional radon/termite coverage. Coverage Highlights and Advantages Professional Liability (E&O) Coverage: Available nationwide for eligible classes* Policy limits up to $1M/$1M* Deductibles starting at $1,000* Includes up to 2 hours of Risk Management consultation at no cost Referring Party Coverage included at no cost Optional Radon and Termite inspection coverage Extended Reporting Period (ERP) options for 1, 2, or 3 years Automatic 30-day post-reporting period Self-rating applications available for qualifying applicants General Liability (GL) Coverage: GL limits up to $1M/$1M* First Dollar Coverage – no deductible applies for GL policies Premiums starting at $79 *Some restrictions may apply Underwriting and Applications Fox Point offers a streamlined underwriting process, including self-rating applications for qualified accounts. Agents can choose between the full application or the simplified self-rating form, depending on the risk profile. Download Applications: Home Inspectors Full Application Home Inspectors Self-Rating Application Territories and Admitted Status This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, and IL. Coverage is offered in both urban and rural areas, with admitted status in most states. Check current state availability and any restrictions when submitting risks. Why Work With Fox Point Programs Fox Point Programs specializes in professional liability solutions and brings deep expertise in niche markets like home inspection. Their flexible underwriting, access to multiple carriers, and value-added services like complimentary risk management consultations make them a trusted partner for agents nationwide. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed home inspectors performing residential or commercial inspections are ideal. Limited availability exists for code or compliance inspectors. Is General Liability coverage required or optional?General Liability is optional but recommended to protect your client’s operations beyond professional services. It is available with no deductible and premiums starting at $79. Can I submit risks from any state?The program is available in most U.S. states. Some restrictions may apply, so check availability before submitting. Are there minimum premiums for this program?Minimum premiums vary by risk and coverage selected. GL premiums start as low as $79. What support is available for agents during the application process?Fox Point offers both full and self-rating applications and provides complimentary risk management consultation for qualifying insureds. Need help placing an account? Connect with a market specialist.

Foreclosure Trustee Professional Liability Insurance from Fox Point Programs Fox Point Programs offers a specialized Foreclosure Trustee Professional Liability Insurance program tailored to protect professionals involved in the foreclosure process. Also known as Errors & Omissions (E&O) coverage, this policy provides essential financial protection from claims related to the performance of professional duties, including legal expenses and potential settlements—even when allegations are groundless. Target Accounts and Ideal Clients This program is designed for professionals and entities that provide services in the foreclosure process, including: Trustees and Substitute Trustees Real Estate Auctioneers Foreclosure Criers and Foreclosure Sale Coordinators If you have a client who regularly manages foreclosure sales or acts as a trustee in real estate transactions, this coverage is an excellent fit. The program is especially valuable for those operating in high-volume or high-liability foreclosure environments, where even minor errors could result in expensive litigation. Coverage Highlights and Advantages Fox Point Programs delivers one of the most comprehensive and competitively priced E&O solutions in the market for foreclosure-related professionals. Key features include: Multiple limit and deductible options* – Choose the level of protection that fits your client’s risk profile. Defense costs outside the limits* – Helps preserve policy limits for potential settlements. Prior acts coverage – Ideal for clients with an existing claims-free history. Optional General Liability coverage – Expand protection beyond professional exposures. *Some restrictions may apply All coverage is written through an A (Excellent) rated carrier, ensuring financial stability and reliability. Underwriting and Premiums With in-house underwriting expertise, Fox Point Programs can provide fast, knowledgeable service for agents and brokers. Minimum premiums vary based on risk factors and selected limits, and the program is designed to be accessible for both small and mid-sized operations. Available States and Admitted Status This program is available in most states across the U.S., including high-population and high-foreclosure-volume states like CA, FL, TX, and NY. Coverage is written on an admitted basis in many states, offering additional peace of mind to both insureds and agents. Why Place Business With Fox Point Programs? As a Managing General Agency (MGA) with a strong focus on niche professional liability programs, Fox Point Programs offers agents and brokers a reliable market for difficult-to-place E&O risks. Our deep understanding of the foreclosure process and service-oriented approach help ensure your clients receive the protection they need, backed by responsive underwriting and claims support. Ready to submit? Download the full application here: Trustee Full Application Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trustees, substitute trustees, real estate auctioneers, and foreclosure criers involved in real estate foreclosure services. Is prior experience required for eligibility?Yes, applicants should have relevant experience in foreclosure-related services. Prior acts coverage is available for qualified risks. Can this policy be bundled with General Liability coverage?Yes, optional General Liability coverage is available for added protection, depending on underwriting approval. Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, and many others. Contact underwriting for specific state eligibility. Who underwrites the policy?Coverage is underwritten through an A (Excellent) rated carrier, ensuring strong financial backing. Need help placing an account? Connect with a market specialist.

Fox Point Programs offers a specialized Title Agents Professional Liability Insurance program designed to address the unique exposures faced by professionals in the real estate transaction process. With in-house underwriting capabilities and access to an A (Excellent) rated carrier, Fox Point delivers competitive pricing and comprehensive coverage tailored to your clients’ specific needs. Ideal Accounts and Appetite This program is built to serve a variety of professionals involved in title and real estate closings, including: Title Agents Escrow Agents Closing Agents Title Abstractors/Examiners* Notaries Witness Closers Whether you're placing a new venture or an experienced firm, this program has the flexibility to accommodate a range of account sizes and risk profiles. For example, you may have a client operating as a mobile notary performing witness closings across multiple counties—that’s a great fit for this program. Coverage Highlights and Advantages Fox Point’s E&O policies for title professionals are among the most competitive in the industry. Key features include: Multiple limit and deductible options* Escrow coverage available (ask about requirements)* Prior Acts coverage available with proof of continuous coverage Coverage available in all 50 states* All policies are backed by a carrier rated A (Excellent), ensuring stability and dependability for your clients. Underwriting Notes and Minimum Premiums With in-house underwriting, Fox Point can quickly evaluate and quote most submissions. Minimum premiums vary by risk profile, state, and coverage selections. Prior coverage and clean claim history may help your clients secure more favorable terms. Be sure to inquire early for escrow coverage, as specific underwriting requirements may apply. Territories and Availability Coverage is available in most states, including but not limited to CA, TX, FL, NY, IL, PA, and GA. Fox Point Programs offers admitted coverage in most available states, providing agents and brokers with a dependable and compliant solution for their clients across the U.S. Why Work With Fox Point Programs? As a Managing General Agency (MGA) with deep expertise in professional liability, Fox Point Programs delivers tailored solutions for title professionals. Their in-house team understands the nuances of this niche and works closely with agents to provide responsive service, flexible options, and expert underwriting. With broad territorial reach, diverse product offerings, and a commitment to quality, Fox Point is a trusted resource for agents seeking reliable E&O coverage for their title-related clients. Application Title Agents Application Frequently Asked Questions What types of accounts are a good fit for this program?Title agents, escrow agents, closing agents, notaries, and title abstractors are all strong fits. Both startups and established firms are eligible. Is escrow coverage included?Escrow coverage is available upon request, but specific underwriting criteria must be met. Be sure to ask about requirements early in the process. Can this program write business in all states?Yes, Fox Point Programs offers coverage in all 50 states and the District of Columbia, with admitted options in most available states. Do you offer Prior Acts coverage?Yes, Prior Acts coverage is available with proof of continuous prior coverage. This can help provide seamless protection for your clients. Who underwrites the policy?The policy is underwritten in-house by Fox Point Programs and backed by a carrier rated A (Excellent), ensuring top-tier financial strength and responsiveness. Need help placing an account? Connect with a market specialist.

Overview of the Program from Fox Point Programs Fox Point Programs offers a dedicated Registered Investment Advisors (RIA) insurance program designed for independent agents and brokers placing professional liability and allied coverages for advisory firms. As a Managing General Agency, Fox Point works with various carriers to assemble admitted and non-admitted solutions across most available states. The program focuses on practical, packaged options—typically including professional liability (E&O) and commonly requested add-ons such as cyber liability, crime/fidelity, and regulatory defense—so you can deliver a full risk-transfer solution to your RIA clients. Ideal Accounts and Appetite Independent RIAs and fee-based advisory firms (solo advisors through multi-advisor shops) Wealth managers, hybrid advisors, family-office style practices and sub-advisory arrangements Firms with standard advisory activities: financial planning, portfolio management, investment recommendations, and model management Clients with stable compliance histories and established procedures for custody, billing, and cybersecurity Generally not a fit: firms with unresolved regulatory disciplinary actions, multiple recent or large professional liability claims, crypto-native trading platforms, proprietary hedge funds, or activity outside typical RIA services (private placement platforms, issuer-side capital raising) without prior approval. Coverage Highlights and Advantages Professional liability (Errors & Omissions) tailored to advisor exposures Cyber/privacy liability offerings to address data breach and technology risk Crime/fidelity solutions for employee theft, forgery, and client funds exposure Regulatory defense and fines coverage options where available Package flexibility through access to multiple markets—helpful for unusual risk profiles or layered placements Because Fox Point places with various carriers, you can often combine admitted and non-admitted options to meet client needs and regulatory constraints across states. Underwriting Notes and Minimum Premiums Underwriting is focused on the firm’s advisory activities, compliance program, custody arrangements, fee billing, and information security controls. Typical submission requirements include a current advisory Form ADV (Parts 1 and 2), a completed application, recent loss runs (if any), and an overview of cybersecurity controls and business continuity plans. Minimum premiums vary by carrier and coverage selection. Fox Point can quote admitted or non-admitted placements depending on the state and the client’s profile. Discuss minimum premium expectations with Fox Point at submission—pricing is influenced by claims history, operations, and requested limits. Territories and Availability The program is available in most states (AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC). Availability and admitted status vary by state and carrier—Fox Point can advise on admitted options where required. Why Work With Fox Point Programs on RIA Business Specialized MGA with focused underwriting for the RIA niche and relationships with multiple carriers Ability to access both admitted and non-admitted markets to find placement solutions for diverse client profiles Responsive quoting and underwriting support to help you close accounts efficiently Packaging expertise that helps combine E&O, cyber, and crime coverages so clients receive a cohesive program Example Client Scenarios You have a solo financial planner transitioning to independent RIA status who needs E&O plus cyber coverage to satisfy a custodian requirement. Fox Point can help bundle policies and approach markets that write smaller advisory firms. You represent a small multi-advisor RIA worried about employee theft and regulatory inquiry exposure. Consider a package with crime/fidelity and regulatory defense options to manage those concerns. Frequently Asked Questions What types of RIA accounts are the best fit for this program?The best fits are independent RIAs and wealth management firms offering financial planning and discretionary/non-discretionary portfolio management, with stable compliance histories and standard custody arrangements. Solo advisors through mid-sized multi-advisor firms are typical targets. Which coverages can I combine through Fox Point Programs?Fox Point commonly packages professional liability (E&O) with cyber liability, crime/fidelity, and regulatory defense options. Available combinations depend on carrier appetite and the client’s profile. What information should I include in a submission?Include the firm’s current Form ADV (Parts 1 and 2), a completed application, recent loss runs, a summary of cybersecurity controls, and sample advisory agreements or custody arrangements. These items accelerate underwriting and improve quote accuracy. Is this program available nationwide?The program is available in most states (including DC). Availability and whether coverage is admitted or non-admitted depend on the carrier and state—Fox Point will advise on the best market for each jurisdiction. Need help placing an account? Connect with a market specialist.