Real Estate Business Insurance
Keep Your Assets Protected
Real estate office insurance typically leads with real estate errors and omissions for mistakes in transactions and disclosures, then adds cyber liability with attention to wire fraud at closing, a business owners policy, workers’ compensation, and employment practices liability. In California, workers’ compensation is generally required once you have any employees, depending on how your workforce is classified.
Every transaction you handle involves disclosures, deadlines, and other people’s money moving between parties. One overlooked defect or one spoofed wire instruction can lead to a serious claim. We help California brokerages and real estate offices put together coverage built around how the business actually works.
What does real estate office insurance cover?
- Real estate errors and omissions (E&O), the professional liability coverage for mistakes in transactions, disclosures, and advice.
- Cyber liability, with particular attention to wire fraud and social-engineering schemes that target closings.
- Business owners policy (BOP), typically pairing general liability with property coverage for your office.
- Workers’ compensation, required in California once you have any employees.
- Employment practices liability (EPLI), for staff and agent employment disputes.
Failure-to-disclose claims are common in real estate, especially around property condition and defects. The fastest-growing threat is wire fraud: a criminal impersonates a party and diverts closing funds, and the loss can be significant. General liability does not respond to these professional and cyber exposures.
How we help: we look at your transaction volume, staff, agent structure, and the way funds move through your office, then match you to coverage that reflects those realities. We walk you through wire-fraud and cyber exposures specifically, since they are easy to underestimate.
