The flagship E&O policy for real estate brokerages.

Sales-side residential E&O is the flagship of the real estate insurance industry — and it’s where PBI Group built our reputation. Over 50,000 policies placed for ~1,500 brokerages across all 50 states, with one specialty: writing E&O that actually responds to the way real estate agents get sued.

Most carriers underwrite real estate E&O as a generic professional-liability template with a few real estate exclusions stapled on. The claim categories driving severity in this business — failure to disclose, dual agency, fair housing, wire fraud at closing, agent-as-independent-contractor disputes — aren’t edge cases. They’re the every-week reality of running a brokerage. Our policy form is written around them.

That focus shows up in the operational details brokerages actually feel: defense outside the limits, a $0 deductible-waiver option when you prevail at summary judgment, prior-acts continuity that protects your retroactive date when you switch carriers, and BI/PD extension that responds to slip-and-falls during showings. The carrier behind the program — Palomar Specialty, A rated — was built for real estate. That’s the Right Coverage at the Right Price approach in one sentence: build the form around the claim, then keep the premium honest.