StandardVerified Q1 2026
Source: Guard Insurance Group – Business Insurance
Guard Insurance Group: Real Estate Insurance Appetite
Guard handles the office and property exposure for small real estate businesses. Their BOP works well for independent agencies and small property management firms. For real estate E&O, agents should pair Guard with a specialty market like CRES or Rice Insurance.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$1,200-$8,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- BOP covers real estate offices and small property management firms
- Commercial property for owned office buildings
- Workers' comp for office staff and property managers
- Commercial auto for agents driving to showings and inspections
- Low minimum premiums for solo agents and small brokerages
Limitations
- Large apartment complexes over 20 units need specialty habitational markets
- No coverage for real estate developers during construction phases
- Professional E&O for real estate agents must be placed separately
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