Real Estate Professionals E&O Insurance:


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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, VAR 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.

If you are a real estate professional in Virginia, then you want to make sure you are covered by E&O insurance. Whether you work as an appraiser or real estate agent, the detailed work you do can be complicated and intense, leaving you open to the occasional omission or mistake.

It is essential that real estate professionals from Norfolk to Virginia Beach make sure they are adequately protected. Errors and omission coverage is necessary coverage if you want to substantially reduce your risk for liability or a filed dispute.

Basic E&O Coverage: What is Protected

While E&O insurance protects the insured against claims made by clients for inadequate work or negligent actions. While E&O insurance covers liability with respect to transacting business or performing a job, business insurance is used to cover real estate operations and visitor and employee liability claims.

Protecting Virginia Real Estate Professionals from Richmond to Chesapeake

Virginia E&O insurance is designed for leasing agents, mortgage brokers, appraisers, auctioneers, property managers, and real estate agents. In addition, real estate firms take out Virginia E&O insurance to protect themselves from third-party contractual disagreements or contract-related real estate buys or sells.

E&O Policy Amenities - How E&O Insurance Protects the Insured Against a Liability Claim

Some of the amenities enjoyed by the holders of E&O insurance include:

  • Subpoena assistance
  • Pre-claim help
  • Reimbursement of loss of earnings
  • Property management coverage
  • Loss prevention services
  • Risk management

Necessary Protection for Virginia Real Estate Professionals

Virginia E&O insurance is must-have insurance for any real estate professional who sells homes, manages or leases properties, or appraises real estate. The coverage can also protect real estate businesses against errors and omissions related to open house events or not-for-profit activities.

E&O Benefits in the Old Dominion State

As each state in the Union features E&O insurance with its own specific protection and benefits, contact Pearl Insurance first before you sign up for a plan. Pearl Insurance can help you obtain a policy that is specific to your own real estate coverage needs as well as advise you on how to reduce your risk.

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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).