Custom Real Estate Insurance Program

Realtors Policy is a commercial insurance package that combines property and liability coverages (not to mention many other coverages) into one program-at a very competitive cost.

Features realtors appreciate..

"Special Cause of Loss Coverage" with no coinsurance penalty on your building and business personal property, including extensions for your property in transit and off premises./li>
Loss of business income and extra expense coverages for your actual loss for a period up to 12 months when your business is interrupted due to a covered claim, including failure of off premises power and water supply.
Theft of money coverage up to $ 1 0,000 on premises and $2,500 off premises.
Employee dishonesty protection up to $10,000.
Accounts receivable coverage up to $25,000.
Valuable papers coverage up to $25,000.
Computer equipment, data and media coverage up to $100,000.
Peak season coverage automatically increases your contents coverage up to an additional 25% during peak sales periods.

Our Program Provides:

Errors & Omissions

Each Claim/Aggregate limits of $100,000, $250,000, $500,000, $1,000,000 and $2,000,000 with additional options available.

Full Prior Acts coverage available to those who qualify.

Deductible options of $0, $1,000, $1,500, $2,500, $3,500 $5,000 and $10,000 (higher options are available).

Extended Reporting Period option includes a Retiree Provision for those Named Insured's who have retired or whose operation has dissolved.

Premium Discounts may be available for:

Loss Control Seminar Attendance
Use of Standard Contracts
Homeowners Warranty
Use of Disclosure Forms
No Loss/Low Loss Experience
Payment Plans with no finance charge, just a small, per payment fee.

Our Real Estate Errors & Omissions Program is rated "A+Excellent" by A.M. Best & Company.

In addition to providing coverage for Residential Sales, our Custom Real Estate Errors & Omissions program provides coverage for firms that generate over 30%** of their revenues in any of the following:

Commercial Real Estate Sales
Industrial Real Estate Sales
Commercial Farm/Ranch Sales
Property Management/Leasing
Residential/Commercial Appraisals
Real Estate Counseling
Auctioneering

** Real Estate firms that generate 30% or less on residential sales may be eligible for coverage under the Residential Program.

Additionally, our product also provides coverage for firms that perform other services such as:

Mortgage Brokering
Business Brokering
Title Agency
Industrial Real Estate Sales

We offer the broadest insurance coverage available at a very affordable price.

Compare your coverage with ours:

Does your current policy coverage provide:

Consent to Settle Clause?
First Dollar Defense Coverage?
Optional Full Limit Lock Box Coverage ($25,000 Limit Standard)?
Optional Discrimination Defense Only or Defense & Indemnity Coverage (at limit options of $100,000 and $250,000)?
Coverage for the Listing and Sale of Real Estate Agent or Broker owned residential properties including the primary residence and residential investment properties?
Coverage available for sale of properties constructed/developed by a separately owned entity or the family member of an agent?
Environmental Hazards Coverage available?
Claims Expenses outside the Limits of Liability? (therefore Claims Expenses do not affect the per Claim or Aggregate limits)

Coverage for:

Mortgage Brokering?
Business Brokering?