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.

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