StandardVerified Q1 2026
Source: Employers — Industries We Insure
EMPLOYERS Holdings: Real Estate Insurance Appetite
Real estate offices are primarily clerical and fit Employers' low-hazard model. The workers' comp premium will be small for most real estate firms. If the firm also manages properties with maintenance staff, those employees will be classified at a higher rate. Pair with CNA or Travelers for E&O and GL. For small real estate agencies, biBERK may offer a more convenient package.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$600-$4,000
Typical annual premium
Target States
46 states + DC
Key Features
- Real estate offices and property management companies with office staff are eligible
- Low-hazard clerical class codes for real estate agents and office personnel
- Competitive rates for small brokerages and property management firms
Limitations
- Workers' compensation only — no E&O, GL, or property coverage
- Maintenance staff and janitorial employees at managed properties need separate classification
- Large property management companies with significant field operations may not fit the small business model
Compare Other Carriers for Real Estate
Progressive CommercialStandard
$1,800-$10,000
TravelersStandard
$3,000-$20,000
CNAPreferred
$4,000-$25,000
HiscoxStandard
$600-$4,000
ERGO NEXT InsurancePreferred
$500-$3,000
The HartfordStandard
$2,500-$20,000
AcuityStandard
$2,000-$12,000
Erie InsuranceStandard
$2,000-$10,000
biBERKPreferred
$1,000-$8,000
AmTrust Financial ServicesStandard
$1,500-$10,000
BTISPreferred
$2,000-$15,000
Pie InsuranceStandard
$500-$4,000