Real Estate Professionals E&O Insurance:


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Get a no-obligation premium estimate for E&O insurance that includes Pearl's exclusive risk management program to prevent claims in the first place.

Welcome, OAR Members!

Contracts only go so far to protect real estate professionals from potential lawsuits. And often, clients don't hesitate to take legal action if services don't meet their expectations.

When you’re working in the real estate industry, you need protection against the professional risks you face every day.

Smart real estate professionals in Oklahoma know that the best way to reduce risk for themselves and their business is with errors & omissions (E&O) insurance. Bustling Oklahoma City real estate firms and part-time Lawton realtors alike must protect themselves against claims of negligence. A single successful claim can put you at risk of bankruptcy.

Whether you are an independent Tulsa real estate agent or part of a real estate empire stretching from Broken Arrow to Norman, Pearl Insurance can offer you the ideal Errors & Omissions policy to manage risk, protect your business, and limit your exposure.

Oklahoma E&O Insurance Benefits

Pearl Insurance E&O policies allow real estate professionals to sleep soundly at night. It’s easy to see why, with these benefits and more:

  • Mold endorsement coverage: High limit thresholds allow peace of mind
  • Legal assistance: Pearl can offer $30,000 of subpoena assistance per policy period
  • Network and privacy coverage: Defend your real estate business against loss of private data from your computer network
  • Open House property damage coverage
  • Privacy claims coverage: E&O insurance can protect against loss of confidential digital files

Oklahoma Risks in Real Estate

Real estate professionals know the Oklahoma market presents unique risks along with great opportunity. Even with all the desirable properties in great neighborhoods statewide, Oklahoma real estate still faces the constant threat of natural hazards, human error, weather emergencies, and more. To guide you through these challenges, your firm needs E&O insurance.

Pearl Insurance provides risk management services to match your needs, whether you are a large firm or individual consultant. Protect your reputation and your business from litigious clients, human error, and emergency situations.

Why Pearl Insurance?

Why should you choose Pearl Insurance for your E&O coverage? With over 35 years of experience, Pearl Insurance offers:

  • Immediate coverage: No waiting period for agency-owned property
  • Fair Housing discrimination protection: Insure yourself for defense and damages
  • Early claims resolution: Reduce your deductible when your claim is closed within one year
  • Supplementary coverages: No deductibles for additional services such as reimbursement of expenses, public relations, or directors & officers (D&O) liability protection for non-profit transactions

At Pearl Insurance we are committed to our clients and it shows. Our programs are sponsored by over 40 real estate associations from the local to national levels. We work hard to protect your Oklahoma business from financial ruin and legal nightmares, helping you stay focused on growing your real estate business. We will listen to your concerns and help you select risk management options to meet your needs and budget.

Partner with Pearl Insurance to protect you and your real estate agency with E&O coverage. Contact us today to see how we can help you.

Instant Quote

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Business Applications

New Business Application

Fillable PDF document for new clients who would like to place their E&O Insurance with Pearl Insurance.

Renewal Application

Returning clients who would like to continue their E&O Insurance with Pearl Insurance.

Supplemental Applications

XL Claim Form

To file a claim, download this form and fax it to 1.866.817.9009.

Ownership Interest Supplemental Application

Supplemental coverage for firms that list/sell properties that are developed or constructed by a separate business entity owned by the firm, any of its agents, or an immediate family member.

Ownership Interest Supplement

Business Brokerage Supplemental Application

Supplemental coverage for the sale of business opportunities.

Business Brokerage Supplement

Other Real Estate Services Supplemental Application

Supplemental coverage for other real estate services not normally covered under the main policy such as real estate appraisals, real estate auctioning, mortgage brokerage, and property management.

*Click here to take our Qualification Questionnaire to see if you are eligible for an Instant Quote policy. Please refer to your policy language for a description of terms, coverages, amounts, conditions, limitations, and exclusions.

** By purchasing this insurance coverage, you become a member of the Real Estate Professionals Risk Purchasing Group Association (REPRPGA). The $75 membership fee entitles you to the following benefits: Risk Manager - A newsletter providing timely information regarding actual claims, discussions on coverage, and risk, Toll Free Claims Helpline - Staffed by claim personnel with years of Real Estate Errors & Omissions experience, Website Access to Pearl's Risk Reduction Library - Includes risk management tools (i.e. Risk Manager by topic).