The Right Coverage at the Right Price

Insurance Solutions for Real Estate Professionals.

Three lines of insurance, each tuned to the operating realities of a residential real estate brokerage. Pick the coverage your business needs — we'll explain exactly what's in it and why it matters.

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 California carrier focused on real estate — provides one of the strongest policies available. Configuration choices have pricing and risk implications: per-occurrence vs. aggregate limits, deductible waivers, defense inside vs. outside the limits, BI/PD extension. 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 thousands of real estate companies across all 50 states. The result is a policy form that actually responds 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 strangers 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.

PBI Group's Cyber program is written specifically for real estate exposures. We don't sub-limit social engineering coverage. We pair it cleanly with our E&O policy form so you get one renewal cycle, one carrier relationship, 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 pure E&O won't touch.

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

It is always a pleasure to work with PBI Group to obtain my real estate E&O insurance for my Texas agency. Mr. Paul Bondy is very knowledgeable about the products and our company, assists me every time I call, and prompt in handling any and all issues. He, along with PBI Group, makes my job much easier.

Renewing our real estate E&O Insurance was made very easy by Paul at PBI Group. He sent the renewal form and then a gentle reminder when he didn't have it back within a couple of weeks. He was available and answered my questions quickly. I will definitely go back to PBI Group when the time comes to renew our E&O

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insurance policy.

I really enjoyed working with Paul on this year’s real estate E&O insurance renewal. The most important result of the process was that Paul provided me with some real insight on real estate E&O coverage. I had been chasing lower premiums, being aggressive with agents on each renewal cycle.

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I thought I was doing a good job for our firm by saving money. I realize now that I was shortchanging our principal and our agents by not getting the most coverage for every premium dollar paid. Thanks Paul. We are in a much better place now

I had the pleasure of working with Paul Bondy and PBI Group over the past few years on the E&O Insurance for my offices as well as several other offices in the Colorado Keller Williams region. With the guidance of my legal counsel, sixteen market centers decided to aggregate their purchasing power.

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We secured and reviewed E&O quotes through five different E&O insurance companies, and ultimately selected PBI Group. We chose to work with Paul because of his extensive knowledge of the product, his availability, and his ability to save us money on our premiums. I should note that we also hired an E&O coverage attorney as a consultant to review all of our quotes, and PBI Group's policy was determined to be the most complete/comprehensive.

I have worked with Paul Bondy of PBI Group for many years when selecting E&O coverage for my Wisconsin brokerage and have always been treated fairly and respectfully. I was given many options for coverage at renewal time and was never pushed in one direction.

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When I had questions about various elements of coverage, they were answered in detail, and to my satisfaction. I had the feeling that my best interests were at the heart of the matter! Additionally, my calls and emails were always responded to lightening fast! I would welcome the opportunity to share my experience with anyone considering this company, and I recommend them to anyone who needs real estate E&O insuarnce without reservation.

Paul was super knowledgeable and was happy to explain everything I needed to know to make an informed decision regarding our real estate E&O insurance. He was patient and very quick to respond whenever I contacted him. Also, the policy wound up being less expensive with WAY better coverage than our next best quote!

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It was a no-brainer!

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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