Best Errors and Omissions (E&O) Insurance for Real Estate Professionals in 2026

Errors and omissions insurance is a core part of doing business in real estate. With so many moving parts in every transaction, having the right coverage in place helps protect your business, your reputation, and your long-term success. The challenge is that E&O policies can vary widely in terms of coverage focus, claims support, and overall ease of use. 

In this guide, we review the best E&O insurance options for real estate, including providers that specialize in real estate as well as broader insurers, to help you compare features, understand key differences, and choose the right policy for your needs.

Below are our top picks for the best E&O insurance providers for real estate, selected for their coverage options, buying experience, and claims support.

• The Hartford: Best for established firms and agents who want a trusted, long-standing insurer with broad small business support.
• ERGO NEXT: Best for solo agents, small teams, or brokers who want simple, fast, digital access to coverage and certificates.
• Hiscox: Best for agents and small agencies who want tailored professional liability protection with the option to bundle other business coverages.
• Simply Business: Best for real estate professionals who want to compare multiple carriers in one place and find a policy that fits their budget and coverage needs.
• OREP: Best for real estate pros who want a provider that focuses specifically on real estate risks and coverage nuances.
• E&O For Less: Best for budget-minded agents or those seeking a simple, no-nonsense E&O policy without a lot of extras.

The Close’s top picks for best E&O insurance for real estate

The Hartford: Best trusted, long-standing insurer with broad small business support

The Hartford is a well-established commercial insurer offering professional liability coverage for real estate agents, brokers, and firms seeking dependable E&O protection. Rather than focusing on quick, one-size-fits-all policies, The Hartford emphasizes customizable coverage, structured claims support, and the ability to bundle E&O with other business insurance. This makes it a strong option for established real estate professionals who value stability, flexibility, and long-term support as their business grows.

Why I chose The Hartford

I chose The Hartford because it offers a level of long-term reliability that stands out in a market crowded with faster, more specialized providers. While it may not be the most streamlined option for brand-new agents, it’s a strong fit for established real estate businesses that want dependable claims support and the ability to manage multiple policies under one insurer. For agents and firms planning to grow, The Hartford provides a sense of continuity that can be harder to find with smaller or single-purpose E&O providers.

ERGO NEXT: Best for simple, fast, digital access to coverage and certificates

ERGO NEXT Insurance is a digital-first insurer that offers errors and omissions insurance with a focus on simplicity, speed, and flexibility. Agents and small real estate teams can get quotes, bind coverage, and download certificates online in minutes, which makes it a good fit for busy professionals who want an efficient purchase experience. 

This platform also scales with business needs, offering flexible coverage options without long underwriting wait times. That said, its digital emphasis means it may not offer as many bells and whistles as larger traditional carriers.

Why I chose ERGO NEXT

I chose ERGO NEXT Insurance because it offers one of the fastest and most straightforward ways for real estate professionals to get E&O coverage in place. For solo agents and small teams that want to move quickly, the ability to get a quote, bind coverage, and access certificates online in minutes is a major advantage. 

While this platform may not offer the same level of customization or hands-on support as more traditional insurers, it stands out as a practical option for agents who prioritize speed, simplicity, and digital self-service over a more complex buying experience.

Hiscox: Best for tailored professional liability protection with the option to bundle other business coverages

Hiscox is a well-known insurer that offers professional liability and errors and omissions insurance for real estate professionals who want flexibility in how they buy and manage coverage. Agents can get a quote online, work directly with a licensed Hiscox representative, or purchase through a broker, making it a good fit for those who want options rather than a fully self-serve or fully traditional experience. 

This platform also balances digital convenience with human support, which appeals to real estate agents and small teams looking for customizable coverage without committing to a single purchasing path.

Why I chose Hiscox

I chose Hiscox because it offers a balanced approach that sits between fully digital insurers and more traditional carriers. Real estate agents can get a quote online, work with a licensed representative, or purchase through a broker, which gives flexibility depending on how hands-on you want the process to be.

While Hiscox is not a real estate-only provider, its professional liability focus and extended support hours make it a solid option for agents and small teams who want customizable E&O coverage with access to human support when they need it.

Simply Business: Best for comparing multiple carriers in one place 

Simply Business is an online insurance broker that helps real estate professionals compare errors and omissions insurance from multiple carriers at once. Instead of offering its own policies, the platform allows you to shop, compare, and purchase E&O coverage online, making it easier to see how different options stack up without contacting each insurer individually. 

This comparison-first approach makes Simply Business a strong choice for agents and small teams who want flexibility, transparency, and a streamlined way to find coverage that fits their needs.

Why I chose Simply Business

I chose Simply Business because it makes it easy to compare multiple E&O insurance options in one place without committing to a single carrier upfront. For real estate professionals who want to see how coverage and pricing stack up across different insurers, this comparison-first approach can save time and reduce guesswork. 

While Simply Business is not an insurer itself, its ability to streamline shopping, purchasing, and document management makes it a practical choice for agents and small teams who value flexibility and transparency when choosing coverage.

OREP: Best for real estate pros who want a provider that focuses specifically on real estate risks and coverage nuances

OREP, short for the Organization of Real Estate Professionals, is a specialty insurance provider that focuses almost exclusively on coverage for real estate agents, brokers, and related professionals. Unlike broader insurers, OREP’s E&O programs are built around the specific risks of real estate transactions, with a streamlined application process and same-day coverage available in many cases. 

Its emphasis on real estate-specific policies and live, knowledgeable support makes OREP a strong option for professionals seeking coverage tailored to their industry rather than a one-size-fits-all policy.

Why I chose OREP

I chose OREP because it offers E&O coverage specifically designed for real estate professionals, rather than adapting a general professional liability policy. Its self-rating application and same-day coverage make it easy for agents and brokers to get insured quickly, while its real estate-focused policy language helps reduce uncertainty around what is and is not covered. For professionals seeking industry-specific E&O coverage with knowledgeable, hands-on support, OREP stands out as a practical, focused option.

E&O For Less: Best for budget-minded agents or those seeking a simple, no-nonsense E&O policy

E&O for Less is a digital-focused E&O insurance provider built around speed, simplicity, and pricing transparency. Real estate professionals can view coverage options and pricing upfront, purchase a policy online in minutes, and access proof of coverage almost immediately. 

This streamlined approach makes E&O for Less a strong option for agents and small brokerages that want to get insured quickly without navigating a lengthy quote or underwriting process.

Why I chose E&O For Less

I chose E&O for Less because it offers one of the most straightforward ways for real estate professionals to secure E&O coverage quickly, without a complicated quote process or a lot of back-and-forth. The platform is built around transparency and speed, making it easy to view coverage options upfront, purchase a policy online, and access proof of coverage right away. 

While it may not be the best fit for larger brokerages that need highly customized coverage, it stands out as a practical option for solo agents and small teams who want a fast, simple path to getting insured.

What is errors and omissions insurance for real estate?

Errors and omissions insurance, also known as professional liability insurance, helps protect real estate professionals if a client claims you made a mistake, missed an important detail, or failed to deliver services as expected. In real estate, where contracts, disclosures, timelines, and financial decisions move fast, even small missteps can lead to disputes. 

That is why E&O coverage is considered a key safeguard for agents, brokers, and teams seeking to protect their businesses from costly legal defense expenses and claim-related payouts.

What does real estate E&O insurance cover?

Real estate E&O insurance is designed to cover claims tied to your professional services, not physical accidents or property damage. While coverage depends on the provider and the policy details, the best errors and omissions insurance generally helps protect you in situations involving communication breakdowns, paperwork mistakes, and alleged negligence during a transaction.

Here are a few common examples of what E&O insurance may cover for real estate professionals:

• Missed or incorrect disclosures
  
• Contract or paperwork errors
  
• Misrepresentation claims, including unintentional mistakes
  
• Allegations that you failed to meet a deadline or follow instructions
  
• Claims tied to pricing guidance, marketing language, or listing details
  
• Legal defense costs related to covered claims

If you are looking for the best E&O insurance for realtors, it helps to choose a policy that supports the real-world risks of managing multiple deals, documents, and deadlines simultaneously.

What doesn’t real estate E&O insurance cover?

It is just as important to understand what E&O insurance does not cover. In most cases, errors and omissions insurance does not apply to intentional wrongdoing or risks that fall under other types of insurance policies.

Common exclusions may include:

• Fraud or intentional misrepresentation
  
• Criminal acts
  
• Bodily injury or property damage (typically covered by general liability insurance)
  
• Employee-related claims (often covered by employment practices liability insurance)
  
• Vehicle-related incidents (covered by commercial auto)

Knowing these exclusions can help you avoid coverage gaps and build a stronger insurance plan that matches how you operate.

How much does E&O insurance cost for realtors?

The cost of errors and omissions insurance for real estate professionals can vary widely because pricing is based on your specific risk profile, your location, and how much coverage you choose. That is why the best E&O insurance for realtors is not always the cheapest option; it is the policy that gives you the right level of protection for the type of work you do.

In general, your E&O premium will be influenced by a few key factors:

• Your state and licensing requirements: Some states require E&O coverage or have minimum limits, which can impact cost.
  
• Coverage limits and deductibles: Higher limits usually increase your premium, while higher deductibles may lower it.
  
• Transaction volume: Agents handling more deals or higher-value transactions may pay more due to increased exposure.
  
• Claims history: If you have had previous claims, your pricing may be higher.
  
• Business structure: Solo agents, teams, and brokerages may be priced differently depending on size and risk complexity.
  
• Optional add-ons: Some policies offer endorsements for additional services, which can raise the overall cost.

Because of these variables, the easiest way to compare pricing is to request quotes from a few providers and review what is actually included, not just the premium. The best errors and omissions insurance is the one that fits your business today while still giving you room to grow.

Factors when choosing the best E&O insurance for realtors

Choosing the best E&O insurance for realtors goes beyond finding the lowest premium. The right policy should match how you work, how much risk you take on in a typical transaction, and how quickly you need access to documents and support. Since policies and providers vary, comparing a few key details can help you spot the best errors and omissions insurance for your specific needs.

Here are the most important factors to look for when shopping for real estate E&O coverage:

1. Coverage limits that match your workload

Start by thinking about your typical transactions. If you handle higher-priced homes, multiple clients at once, or complex deals, you may want a higher limit than someone doing a few smaller transactions per year.

2. Deductible options you can realistically afford

A higher deductible can lower your premium, but it also means you will pay more out of pocket if a claim happens. For many agents, the “best” deductible is the one that keeps the premium manageable without creating financial stress later.

3. Claims-made vs occurrence coverage

Most real estate E&O policies are claims-made, meaning the policy must be active both when the issue happened and when the claim is filed. If you switch providers, you may need prior acts coverage or tail coverage to avoid gaps. This is one of the biggest details that separates a quick quote from a policy that truly protects you long term.

4. Prior acts coverage (especially if you are switching providers)

If you already have E&O insurance and are moving to a new company, confirm whether the new policy includes coverage for past work. This is especially important for experienced agents who have closed many deals and want protection for earlier transactions.

5. Defense costs and how they work

Legal defense can be one of the biggest expenses in an E&O claim. Review whether defense costs are included within your policy limit or handled separately, and make sure you understand how that affects your total protection.

6. COI access and speed

If your brokerage, clients, or licensing board requires proof of coverage, you will want a provider that can deliver a COI quickly. Many modern providers offer instant COIs through an online dashboard, which can be a big time saver.

7. Quote and purchase process

Some insurers offer fast online quoting and same-day coverage, while others require more underwriting and follow-up. If you are trying to get covered quickly, prioritize providers with a smoother digital process.

8. Customer support and claims help

Even if you rarely need support, you will want to know what happens if you do. Check whether live customer support is available by phone, whether hours are extended, and how claims are handled if an issue comes up during a transaction.

Frequently asked questions (FAQs)

Bottom line

The best E&O insurance for realtors is the policy that fits how you work, not just the cheapest premium. Look for coverage that matches your transaction volume, offers a deductible you can manage, and makes it easy to get support and proof of coverage when you need it. 

Whether you want a long-standing insurer, a fast digital option, or a real estate-specific provider, comparing a few top choices is the best way to find the best errors and omissions insurance for your business.

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