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, IAR 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.

Indiana realtors are lucky. They have the opportunity to earn a good living while offering local residents a valuable service. It is a dream job for many, but sometimes the dream can turn into a real-life nightmare. The number of lawsuits against real estate agents has increased over the past two decades. If you are a real estate agent, you need to protect yourself. No matter if you work for yourself in Hammond, or are a member for a large agency in Indianapolis, legal actions can have devastating financial costs.

As a leader in Error & Omission (E&O) insurance policies, Pearl Insurance has been protecting realtors since 1979. Pearl Insurance was among the first insurance companies to offer professional liability insurance policies directly aimed at real estate agents. Pearl Insurance provides their E&O policy holders with one of the most comprehensive coverage in the industry.

The company’s dedication to serving real estate agents has earned them sponsorship from over 40 national and local real estate agent associations. They are committed to working hard to protect your business.

Indiana’s realtors love Pearl Insurance’s E&O coverage because of the extensive benefits it provides. Some of the benefits of their insurance policies include:

  • Immediate coverage on all residential properties owned by agents
  • A 100% deductible-free coverage on claims for any type of lockbox
  • A 50% rebate on deductibles for claims which are settled within one year
  • Up to $30,000 per policy period to help cover the fees of legal assistance associated with subpoenas when you are not the claimant
  • Up to $15,000 for PR advisory services for each qualifying event, with a total of $50,000 for each policy period
  • Up to a sub-limit of $250,000 in automatic protection for claims of violating Fair Housing Discrimination regulations

Safeguarding your business and yourself against crippling financial losses due to legal action is easy when you join real estate agents in Fort Wayne, Evansville, South Bend, and throughout Indiana, and contact Pearl Insurance for an E&O insurance quote.

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.

Want A Quote Now?

Register, answer a few short questions, and view your quote. You have the option of paying and binding coverage online.

Instant Quote »

Ready To Buy?

Provide us with some basic information, and then we will contact you with a quote. Start your premium estimate below.


Premium Estimate »

Not Ready Yet?

No problem. Complete this quick form, and we will contact you before your current policy expires.


Renewal Reminder »


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).