Real Estate Professionals E&O Insurance:


Get An Estimate!

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, TAR 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.

Being a Texas real estate agent is rewarding challenge. The job provides an opportunity to make a good living while providing a valuable service to clients. But there is a downside. Due to the nature of the business, and the increase of lawsuits over the last twenty years, real estate agents are susceptible to lawsuits. Whether you are an independent agent in San Antonio or work for a large Dallas firm, you need to protect yourself from financial losses resulting from legal issues.

Pearl Insurance has been protecting real estate agents since 1979 with leading Error & Omission (E&O) insurance policies. Among the first to offer specialized professional liability insurance for real estate agents, Pearl’s comprehensive coverage is now sponsored by over 40 national and local real estate associations. Pearl Insurance works hard to give its policy holders one of the highest levels of protection in the industry. Pearl Insurance is dedicated to working with you to safeguard your business.

What makes Pearl Insurance’s E&O policies the best choice for Texas real estate agents is the extensive benefits the company is able to offer. These benefits include:

  • No waiting periods for coverage on agent-owned residential properties
  • No deductibles on policies covering lockboxes of any type
  • The ability to recover 50% of your deductible for any claims which are resolved within one year
  • No cost legal assistance for subpoenas for up to $30,000 per policy period when you are not the claimant
  • Covered costs for public relations advisory services up to $15,000 for each qualifying event, and a $50,000 limit for each policy period
  • Automatic protection against claims of violating Fair Housing Discrimination regulations with a sub-limit of $250,000 for legal fees and damages

Protect yourself and your business from a financial disaster resulting from a lawsuit. Join other real estate agents in Houston, Austin, Fort Worth, and across Texas, by requesting a no-hassle E&O Insurance policy quote from Pearl Insurance.

Instant Quote

Your time is valuable, and we're here to help you streamline the process of securing coverage. Select one of the options below to get started.

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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).