Real Estate Agents & Brokerages Insurance
Coverage recommendations, carrier options, and cost estimates for real estate agents & brokerages businesses — what you need, what it costs, and how to get covered.
Recommended Coverages
BOP
essentialBundles general liability, commercial property, and business income/extra expense into one policy. Common claims include slip-and-fall during property showing.
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. Common claims include slip-and-fall during property showing. Agent note: Property management operations require separate GL and property coverage
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Professional Liability (E&O)
recommendedClaims arising from professional errors, omissions, negligent acts, or failure to perform professional duties. For Real Estate Agents & Brokerages businesses, key exposures include high e&o exposure from transaction advice. Common claims include commission dispute.
$1M per claim / $2M aggregate is standard; higher limits for regulated professions
$500 - $3,000/year for low-risk professions; $3,000 - $20,000+ for attorneys, accountants, and healthcare
Cyber Liability
recommendedData breach notification costs, forensic investigation, credit monitoring, regulatory defense and fines, business interruption from cyber events, ransomware payments, and third-party claims from data exposure. For Real Estate Agents & Brokerages businesses, key exposures include client data handling. Common claims include data breach of client financial records. Agent note: Cyber coverage needed if handling wire transfer instructions or client financial data
$1M per claim / $1M aggregate for small businesses; $5M-$10M+ for larger organizations
$750 - $3,000/year for small businesses; $5,000 - $25,000+ for businesses handling significant PII or PHI
Workers Comp
situationalMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For Real Estate Agents & Brokerages businesses, key exposures include independent contractor vs employee classification. Agent note: IC vs employee classification affects workers comp obligations significantly
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Get matched with a specialist broker
Harper is an AI-native commercial insurance brokerage with deep specialty and E&S market access — a strong fit for professional and harder-to-place risk (E&O, cyber, umbrella). It targets coverage in 24 to 48 hours.
Risk Profile
Physical
Liability
Professional
Property
Top Risks
- High E&O exposure from transaction advice
- Property showing injuries
- Client data handling
- Independent contractor vs employee classification
- Trust account liability
Carriers That Write Real Estate Agents & Brokerages
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$5,000 - $25,000+ for businesses with $200K - $5M revenue
Key Pricing Factors
- Annual revenue ($200K - $5M is typical for this class)
- Employee count (3-30 is typical)
- Annual gross commission income
- Number of agents
- Transaction volume
- Residential vs commercial focus
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our real estate agents & brokerages insurance cost page.