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, OAR 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!

From urban Columbus to the suburbs of Cincinnati, there is a wide variety of Ohio real estate for buyers to choose from and realtors to sell. Keep in mind that selling to different types of buyers brings unique risks, and realtors should always be ready to handle any situation.

If you are selling real estate in the Buckeye State, you need to have errors & omissions (E&O) insurance. This coverage is the only protection you have against claims of negligence, and without it, you could lose your business or end up having to file for bankruptcy.

Pearl Insurance offers Ohio realtors specialized E&O coverage. Whether you’re a large company or a small one, we’ll work to help you understand your policy and all of the fine print along with it. We’ll also assist you in maximizing your risk management plans and make sure you and your business are ready for anything.

Errors & Omissions Insurance Options in Ohio

We offer comprehensive coverage with a wide range of benefits like:

  • Agent-owned properties: No waiting period! Get coverage now
  • Damage coverage for open houses
  • Damage coverage for lock boxes
  • Expense reimbursement: When you are out of work because of a hearing, trial, or arbitration
  • Privacy and Network: Protection in the event that a client’s private information is stolen from your network
  • Public relations: Get reimbursed for expenses when your firm has potential damage to its reputation due to a public relations event

Pearl Insurance has offered comprehensive E&O insurance for over 35 years, and we are ready and eager to put our experience to work for you. Our main motivation is protecting you and your business from devastating legal and financial issues. We’ve also received many sponsorships and top ratings from professional real estate associations.

Whether your clients are Cleveland bachelors or Akron families, you have to protect your integrity and maintain your sharp attention to detail. Your business sense is one of your greatest tools of the trade, but even when you’re on top of your game and being completely transparent, you can make a mistake. We provide you with risk management resources designed to keep your real estate business running as smoothly as possible when you're faced with emergencies, oversights, and litigious clients.

We know which risk management strategy is right for your firm. Contact us today to learn more about your E&O options in Ohio, from Toledo to Cincinnati and every place in between.

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

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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.


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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).