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!

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.

Whether you're a large company or a small firm, there's always a risk of being sued while working in the Massachusetts real estate industry. Clients' claims add stress to your job and take time and money away from your business. Pearl Insurance works with real estate professionals from Boston to Springfield and everywhere in between to help safeguard businesses like yours against loss and liability.

Our errors & omissions (E&O) insurance is a necessity if you want to protect yourself against the inevitable risks you experience in your profession.

Features of E&O Insurance Coverage

Here are some key features of E&O coverage from Pearl Insurance:

  • Environmental “Failure to Advise” coverage—Automatically included
  • Mold Endorsement—Limits beginning at $100,000
  • Agent-Owned Property—No waiting period
  • Early Claims Resolution—Deductible reduced when a claim is closed within 12 months
  • Lockbox and Open House Property Damage coverage—Up to full policy limits
  • Fair Housing Discrimination coverage—Covers both defense and damages
  • Free 3-year extended reporting period—New policy provides free three-year trial for death, disability, or retirement when insured with us for four years
  • Network & Privacy will give you protection if private client information is lost or stolen from your networks
  • Public Relations—When your firm experiences possible reputation damage due to a public relations event, you are reimbursed for those expenses
  • Subpoena Assistance—Offers $30,000 per policy period and no cost legal assistance when you are not party to the claim
  • Not-for-profit Directors and Officers (D&O) Liability Insurance—Offers protection for not-for-profit activities
  • Reimbursement of Expenses—You are reimbursed for expenses that incur when you are unable to work due to an arbitration attendance, hearing, or trial

Recent On the Blog

Do you take all the right steps to protect your real estate business? You may think that you're doing all you possibly can to help prevent claims from occurring, but clients can still try holding you accountable, even if you aren't at fault.

Read our blog post, How to Prevent an E&O Insurance Claim, and learn 8 proactive steps you can take to help minimize your risk of claims.

E&O Insurance for Massachusetts Real Estate

Pearl Insurance is one of the leading providers of E&O insurance throughout Massachusetts. We offer customized plans for the unique needs of real estate professionals, and we are committed to offering the coverage you need to maintain a competitive edge in the real estate market.

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).