Real estate agent

The pricing variables for this profession.

Transaction volume and price-point. Buyer's-agent-only practitioners run $350-$800/yr. High-volume listing agents and luxury real estate run $800-$1,500/yr. Property management adds significant additional exposure. Many state real-estate boards or brokerages require minimum E&O coverage levels.

Which insurers fit this profession.

What the policy needs to include.

$1M minimum typical; brokerage-required minimums vary by state and franchise (often $500K-$1M). Per-transaction sub-limits common. Coverage for unintentional misrepresentation essential (the most frequent claim category).

What this profession actually gets sued for.

Misrepresentation of property condition or features, failure to disclose material defects, fair-housing violations (intentional discrimination is excluded but unintentional violations can be covered), contract errors. Property management adds tenant-injury and breach-of-fiduciary-duty claim exposure.