AGENTS & BROKERS
Norman-Spencer’s Real Estate E&O Team has been serving the professional liability insurance needs of the real estate community for over 30 years.
We’re dedicated to providing your firm with comprehensive and competitive E&O Insurance solutions tailored to meet needs of the real estate industry.
NEW BUSINESS SUBMISSION:
Adam Garnett
937.401.4131
adamgarnett@norman-spencer.com
RENEWAL SUBMISSIONS:
Trey Collier
937.432.3512
treycollier@norman-spencer.com
Hannah Nahley
706-750-0405
hannahnahley@norman-spencer.com
Broker Resources
Construction/Development Supplemental Application
Builder/Developer Questionnaire
Real Estate Scheduled Services RPG
Real Estate Scheduled Services Enhanced RPG
Seller Protection Plan Deductible Reduction RPG
Contingent Bodily Injury and Property Damage Sublimit
AGENT & BROKER Coverage
OVERVIEW
Tailored coverage at a competitive price from an experienced underwriting team that understands the complexities of real estate agents’ E&O claims, and is deeply committed to delivering exceptionally responsive and personalized service.
Available countrywide, excluding AK, CA, HI, and NY
Real Estate Specific Highlights
-
Broad definition of professional services includes agent/ broker, real estate, auctioneer, referral agent, consultant/counselor, leasing agent, relocation agent, photography, stager and short-term escrow agent
-
Additional professional services available include property management, mortgage brokering and loan origination, and appraisals
-
3rd party drone coverage
-
Limited additional insured coverage for real estate franchisors
-
Photography copyright infringement coverage
-
Protection against dishonest employees
-
Retirement ERP may be available at no additional cost
-
Environmental hazards up to full policy limits available
-
Mold coverage up to full policy limits available
-
Bodily injury and property damage for open house and lock box up to full policy limits available
-
Fair housing/discrimination coverage
-
Agent owned property coverage
-
Consumer Financial Protection Bureau defense endorsement
Product features
• Claims made and reported
• Limits of liability ranging from $100,000 to $5,000,000
• Defense costs outside the limits available
• Deductible waiver, mediation incentive, vanishing deductible and seller protection plan incentive options available
• Extended reporting period options
General Program Highlights
-
Professional services coverage
-
Personal injury coverage
-
Privacy and security coverages
-
First-party cyber coverage
-
Pre-claim assistance
-
Disciplinary proceedings
-
Subpoena assistance
-
Crisis event
-
Reputation event
-
Withheld client fee
-
Nonprofit directors and officers expense
-
Emergency web hosting
-
Replacement of key officers
-
Workplace violence counseling
AGENT & BROKER Coverage
OVERVIEW
Tailored coverage at a competitive price from an experienced underwriting team that understands the complexities of real estate agents’ E&O claims, and is deeply committed to delivering exceptionally responsive and personalized service.
Available countrywide, excluding AK, CA, HI, and NY
Real Estate Specific Highlights
-
Broad definition of professional services includes agent/ broker, real estate, auctioneer, referral agent, consultant/counselor, leasing agent, relocation agent, photography, stager and short-term escrow agent
-
Additional professional services available include property management, mortgage brokering and loan origination, and appraisals
-
3rd party drone coverage
-
Limited additional insured coverage for real estate franchisors
-
Photography copyright infringement coverage
-
Protection against dishonest employees
-
Retirement ERP may be available at no additional cost
-
Environmental hazards up to full policy limits available
-
Mold coverage up to full policy limits available
-
Bodily injury and property damage for open house and lock box up to full policy limits available
-
Fair housing/discrimination coverage
-
Agent owned property coverage
-
Consumer Financial Protection Bureau defense endorsement
Product features
• Claims made and reported
• Limits of liability ranging from $100,000 to $5,000,000
• Defense costs outside the limits available
• Deductible waiver, mediation incentive, vanishing deductible and seller protection plan incentive options available
• Extended reporting period options
General Program Highlights
-
Professional services coverage
-
Personal injury coverage
-
Privacy and security coverages
-
First-party cyber coverage
-
Pre-claim assistance
-
Disciplinary proceedings
-
Subpoena assistance
-
Crisis event
-
Reputation event
-
Withheld client fee
-
Nonprofit directors and officers expense
-
Emergency web hosting
-
Replacement of key officers
-
Workplace violence counseling
NEW BUSINESS SUBMISSION:
Adam Garnett
937.401.4131
adamgarnett@norman-spencer.com
RENEWAL SUBMISSIONS:
Trey Collier
937.432.3512
treycollier@norman-spencer.com
Hannah Nahley
706-750-0405
hannahnahley@norman-spencer.com