Real Estate E&O Insurance

Secure your real estate business against errors and omissions, protecting your assets and reputation.

Safeguard Your Real Estate Career

When it comes to the real estate business, every detail matters, and that's why you need a partner like Manna Insurance by your side.

Safeguard your career and move forward with confidence as you work on behalf of your clients to write contracts, negotiate, and run comps.

We’ll help tailor a Real Estate E&O Insurance policy that protects you, so you can focus on what you do best: helping clients buy or sell their homes.

With Manna Insurance, you're not just getting coverage; you're getting peace of mind knowing that you're shielded from unexpected legal claims and financial setbacks.

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So what coverage do I need?

Peace of Mind Knowing Your Professional Reputation and Financial Security Remain Solid

Professional Liability

This is the heart of E&O insurance. It protects real estate professionals (agents, brokers, appraisers, etc.) from claims related to alleged negligence, errors, or omissions in their professional services. It covers legal costs and settlements if a client believes you made a mistake that led to financial loss.

Legal Defense

Legal battles can be costly and time-consuming. E&O insurance often includes coverage for legal defense, ensuring you have the resources to defend yourself against claims, even if they are unfounded.

Property Management

If you're involved in property management, this coverage option can protect you from claims related to your management activities, such as failure to maintain properties or respond to tenant complaints appropriately.

Breach of Duty

This protects against claims related to failing to fulfill your professional duty to clients, whether it's related to disclosure of property defects, contract obligations, or other duties specific to your role.

Fair Housing Claims

This addresses allegations of discrimination, which can be a significant concern in real estate. It helps cover legal costs if someone claims you violated fair housing laws.

Claims Retroactive

This is important for covering claims that may arise from past work, even if the policy is in effect when the claim is made. It's like having a safety net for your professional history.

Extended Reporting Period (ERP) or "Tail" Coverage

After retiring or leaving the industry, you may still face claims related to past work. ERP coverage allows you to report claims after your policy expires, ensuring continued protection.

Customizations

E&O insurance is like a tailored suit—it should fit your specific needs. We will work with you to customize your policy to match your role, the types of transactions you handle, and your level of risk. This way, you get protection that's as unique as the properties you deal with.

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Ways to Save on Real Estate E&O Insurance

Implement rigorous quality control measures and thorough documentation processes in your real estate practice to minimize errors and omissions. Insurers often offer lower premiums to professionals with strong risk management practices.

Risk Mitigation

Our expert brokers will obtain quotes from multiple insurance providers specializing in real estate E&O insurance. We will then help you compare coverage options, policy limits, deductibles, and premiums to find the most cost-effective policy that meets your professional requirements.

Shop Around

Carefully assess your real estate E&O insurance needs and choose coverage that aligns with the size and nature of your business. Avoid over-insuring by selecting coverage that addresses your specific risks and exposure.

Get the Right Coverage

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Frequent Questions About Real Estate E&O Insurance

Insurance can be complicated and confusing. We’re here to help answer your most common questions about real estate errors & omissions insurance coverage.

Real Estate E&O insurance is a specialized coverage designed for real estate professionals, including agents, brokers, appraisers, and property managers. It provides protection against claims of negligence, errors, or omissions in their professional services.
Real estate transactions involve complex contracts and significant financial investments. E&O insurance helps protect real estate professionals from potential legal claims that may arise if a client alleges a mistake or oversight that led to financial loss.
Real Estate E&O insurance typically covers legal defense costs, settlements, and judgments related to claims of professional negligence, errors, or omissions. It may also provide coverage for claims arising from property management activities, breach of duty, and fair housing violations.
E&O insurance is not typically required by law for real estate professionals, but many industry associations and brokerages may require it as a condition of employment or membership. It is highly recommended due to the potential risks involved in real estate transactions.
The cost of E&O insurance varies depending on factors such as the type of real estate services offered, location, coverage limits, deductible, and claims history. It is generally more affordable than the potential costs of defending against a lawsuit.
Yes, fair housing claims coverage is essential for real estate professionals as it addresses allegations of discrimination, which can lead to significant legal expenses. Ensuring that your policy includes this coverage is crucial.
Yes, E&O insurance not only provides financial protection but also helps protect your professional reputation. It demonstrates to clients that you take your responsibilities seriously and have safeguards in place to address potential mistakes.

All Questions

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Kind Words from Our Customers:

Ciarra Flint

★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
AJ Johnson

★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
Emily Kooistra

★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!