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, MAR Members!

Our Professional Liability Insurance, also referred to as Errors & Omissions Insurance, is a perfect fit to protect you against the inevitable risk you experience with your profession.

Pearl Insurance's corporate office is located in the heart of the United States in Peoria, Illinois, but we don't stop there—we're located in offices spanning from the east to west!

Risk Management


Learn more about Policy Features, Risk Management, and more on your own time with our extensive collection of videos accessible through our website.


Through our E&O program, you have access to countless articles featuring topics such as common claims and risk prevention strategies to run a successful, low-risk business. View a couple samples below:


Our interactive webinars feature high-energy speakers with many years of experience. They provide tips on how to navigate the risks you face everyday. View a sample recorded webinar below:


  • Agent-Owned Residential Property: No waiting period applies!
  • Lockbox coverage to full policy limits (all types of lockboxes are covered; no deductible applies to this benefit)
  • 50% deductible reduction for claims resolved within one year (limit $5,000 per policy period; applies to defense and damages)
  • Subpoena Assistance: No-cost legal assistance—$30,000 per policy period—for when you are not party to the claim
  • Public Relations Advisory Services provide up to $15,000 in coverage per qualifying event (limit $50,000 per policy period)
  • Automatic Fair Housing Discrimination sub-limit of $250,000 that provides defense and damages (up to $1,000,000 available)

Find Out More »

Instant Quote

Your time is valuable and Pearl Insurance is here to help you streamline the complicated process of buying coverage to save you time and money. We provide several ways to obtain a quote depending on your current need. Choose the option that best suits your situation below and get started now.

Want A Quote Now?

Simply register, answer five short questions, and then view your quote.* You even have the option of paying and binding online.

*Additional questions may be asked

Instant Quote »

Ready To Buy?

We can help! All we need from you is 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 prior to the expiration date of your current policy to discuss your options.


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).