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Real Estate Errors and Omissions (E&O) Insurance

Surplus lines solutions to protect real estate professionals and their businesses.
SUBMIT AN APPLICATION

Professional Liability Protection for Real Estate Agents, Brokers, and Property Managers

In the heavily transactional real estate world, even experienced professionals are vulnerable to costly lawsuits stemming from a document error, inaccurate advice, failure to report a property defect, and more. DeCotis Specialty Insurance helps agents secure competitively priced Real Estate E&O coverage from AM Best A-Rated markets to help limit clients’ financial losses if they are the target of a liability claim.

Target Classes

FOR VARIOUS REAL ESTATE PROFESSIONALS

We provide our agency partners with access to specialty insurance options for a range of real estate service professionals, including but not limited to:

  • Real estate agents and brokers
  • Residential and commercial brokerage firms
  • Franchise and non-franchise firms
  • Property managers

Coverage Options

DeCotis offers surplus lines solutions to help agents cover the special risks and unique liability exposures of real estate businesses.

  • Professional Liability/Errors and Omissions (E&O) Coverage
  • Businessowners Policy: Includes General Liability, Business Personal Property, and Business Income
  • Personal Injury Coverage
  • Wrongful Eviction Coverage: For residential properties
  • Environmental Pollutants Coverage: For both damages and defense

Product Highlights

  • Limits up to $5 million
  • Privacy Breach Expense sublimit
  • Defense costs outside of policy limits
  • Coverage for independent contractors included
  • Coverage for services as a leasing agent/property manager included
  • Retroactive date coverage for no additional premium
  • Admitted and non-admitted markets available
  • New ventures eligible with required broker/agent experience
  • Quick quote turnaround and same-day indications for eligible submissions

Product Highlights

  • Instant comparative quote with
    multiple markets
  • New ventures are eligible
  • Blanket AI, Primary/Noncontributory, Waiver of Subrogation, Per Project Aggregate
  • Up to 100% of subcontracted work qualifies

SUBMISSION REQUIREMENTS

Download the application that best suits your client’s needs and provide three years of loss runs and any additional relevant information. Send the application to: Quotes@DeCotis.com.

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A professional insurance application form titled “Property Managers Professional Package Application” with fields for applicant information, Real Estate details, coverage options, and tables for various types and amounts of E&O Insurance coverage.

GETTING A REAL ESTATE E&O QUOTE IS SIMPLE

Select one of the following options to request a specialty insurance quote for your clients:

Get an Online Quote
Submit an Application
Contact an Underwriter
USLI Instant Phone Quote: 888-875-5218

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your commercial clients may also require these products.

Real Estate Investors Insurance

Provides residential rental property owners, builders, and managers that have multiple properties across numerous locations with a single, streamlined coverage for their property and liability risks.

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Management Liability Insurance

Packages a variety of coverages, including Directors and Officers, Employment Practices Liability, Fiduciary Liability, and Crime to address the special risks directors, officers, and managers face.

Learn More

Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • Access to AM Best A-Rated Professional Liability Insurance Carriers
  • Instant Online Quote Option for Select Classes
  • Expert E&S Placement for Standard and Difficult-to-Place Risks
  • Responsive Service from Experienced Underwriters
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