The Right Coverage at the Right Price

Insurance Solutions for Real Estate Professionals.

Three lines of insurance, each designed to address the risk exposure of your real estate business. We are real estate insurance experts, so you don't have to be.

Errors & Omissions

E&O policies vary drastically from one carrier to the next, and quotes can differ by hundreds of dollars due to seemingly small policy coverage elements.

Real estate Errors & Omissions insurance protects agents and brokerages from claims alleging negligence, errors, or omissions in the professional services they provide. Failure to disclose, fair housing claims, contract errors, missed deadlines, mishandled deposits — these are the bread-and-butter claims our policy form is built to respond to.

PBI Group's E&O program — with exclusive access to Palomar Specialty Insurance Company, an A rated carrier focused on real estate — provides one of the strongest policies available. Configuration choices have pricing and risk implications: limits, deductibles, deductible waivers, defense inside vs. outside the limits, BI/PD extension, agent owned transaction protection. Our dedicated real estate liability experts walk you through every option and explain the tradeoffs in plain English.

PBI Group has written over 50,000 E&O policies for 3,000+ real estate firms across all 50 states since 2009. The result is a broad form policy that responds more often when a claim hits — not the cheapest policy, but the one that earns its premium.

Failure to advise / failure to disclose
Fair housing and discrimination claims
BI/PD extension for showings and open houses
Defense inside or outside the limits
$0 deductible waiver option

Learn more about Errors & Omissions

Cyber Liability

New insurance policies have emerged to fill the gap between your E&O policy and your General Liability policy.

Cyber Liability has gone from a luxury to a near-requirement for residential real estate brokerages. The reason is wire fraud. Real estate transactions involve large, multi-party wire transfers between various partners all operating under time pressure — exactly the conditions threat actors look for. Business Email Compromise (BEC) attacks targeting real estate agents now run into the hundreds of millions of dollars in industry losses every year.

Cyber Liability covers two distinct things: 1st-party losses (the brokerage's own funds lost to wire fraud, plus the cost of breach response, forensics, and notification) and 3rd-party damages (when a client sues the brokerage after their wire was redirected). Both matter, and both are routinely uncovered by standalone E&O policies — even policies that say they include 'cyber' as an endorsement, those policies are often just 1st-party coverage, not 3rd-party coverage which is the most important coverage for the real estate industry.

PBI Group's Cyber program is written specifically for real estate exposures. We pair it cleanly with our E&O policy form so you get one renewal cycle, one application to complete, and no coverage gaps between the two policies.

Social engineering / fraudulent instructions
Funds transfer fraud (1st-party loss)
3rd-party liability for client wire losses
Breach response, forensics, notification
Pairs cleanly with PBI Group E&O

Learn more about Cyber Liability

General Liability

A standard policy for all real estate brokerages — covering BI/PD and advertising injury for the office itself.

General Liability covers the bodily injury, property damage, and advertising injury exposures that come with operating a brokerage as a physical business. Visitors trip in your lobby. A vendor damages your office. Your marketing inadvertently uses someone else's photo. These are GL claims — not E&O claims — because the harm has nothing to do with your professional services.

Most brokerages need GL alongside E&O for two reasons. First, the franchise or office lease usually requires it as a condition of doing business. Second, even where it's not required, the alternative is leaving the brokerage entity exposed to claims that E&O insurance won't cover.

PBI Group tailors GL coverage to the specific operating profile of a residential real estate brokerage: office-based, low-hazard, with occasional event activity (open houses, broker tours). We keep the coverage broad and the premium right-sized to the actual exposure.

Bodily injury and property damage at the office
Advertising injury (copyright, defamation)
Hosted-events coverage for broker tours
Premises medical payments
Right-sized for real estate operations

Learn more about General Liability

General Liability FAQ

Paul and PBI Group has always taken excellent care of us and our real estate E&O insurance needs.

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As a specialist in E&O and Cyber coverage for real estate agencies, I am always confident that I am getting the best advice from an industry expert. He always has the time to explain and give guidance, and I would highly recommend him.

I always get responses to my real estate E&O insurance questions or concerns, very timely. This is appreciated in a busy work week.

Paul Bondy at PBI Group was very professional and knowledgeable of our real estate errors and omissions insurance needs and requirements.

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Very easy to work with.

Our company has used The PBI Group and Paul Bondy for the last several years. We highly recommend them to any real estate brokerage looking for great service,

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a good E&O insurance policy, and availability throughout the year to answer any questions or concerns we may have.

PBI Group provides a great experience year after year providing me with E&O and Cyber insurance for my real estate agency in Ohio/Kentucky.

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They are easily reached with professional, prompt responses, very knowledgeable about E&O insurance for real estate agents with smooth implementation of service needs.

”When receiving bids, PBI Group will fight to get a lower premium and explore all options.”

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You'll be surprised how affordable the best can be.

Let PBI Group get you a quote — no fluff, no pressure, just a fair price for strong coverage.

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