E&O Pearl Insurance Agents

For 30 years, Pearl Insurance has been providing real estate professionals with the high-quality, comprehensive E&O coverage they need to help protect against the financial consequences of claims.

Our standard E&O program is underwritten by the XL Group companies (through Greenwich Insurance Company and Indian Harbor Insurance Company)—rated "A" (excellent) by A.M. Best. And, we are sponsored by over 40 national, state, and local REALTOR® associations.

Risk Management

We support our insureds from the very outset of our relationship, helping educate them on how to recognize and minimize potential liabilities.

  • Risk Management Seminars: Identify the risks and challenges that arise in a typical "day in the life" of a real estate professional and guide the implementation of important and effective risk management. Also available to current insureds as a Webinar in online or DVD format.
  • Monthly Risk Managers: Detail real-life claim scenarios and identify the mistakes made, how the situation could have been avoided, and offer tips to prevent them from happening—published online.
  • Quarterly Newsletters: Offer helpful advice on how to avoid having a claim filed against a firm—emailed to all current insureds.
  • Informative Articles: Cover a wide variety of topics in real estate—distributed to sponsoring associations by request and emailed to clients quarterly.

Proactive Claims Handling

As a Pearl Insurance/XL Group customer, your clients benefit from an experienced claims staff and expert defense attorneys who handle only real estate E&O claims. In fact, we have invested years of trust in panels of attorneys to answer the needs of our E&O customers in each state. These lawyers are chosen for their outstanding reputations and strong litigation skills. Plus, our insureds receive two hours of free, initial legal advice (over the phone) with a select member of their state's Panel Counsel.

Submit an application, or just send us any carrier's application you already have on file. It's that easy!

Errors & Omissions coverage is underwritten by Greenwich Insurance Company and Indian Harbor Insurance Company, members of the XL America Insurance Group. This site is not a contract. Please consult the insurance policy for actual description of terms, coverages, amounts, conditions, limitations, and exclusions. Coverage(s) available in most states.


  • New! Subpoena Assistance: No-cost legal assistance—$25,000 sub-limit—for when you are not party to the claim.
  • New! Free three-year Extended Reporting Period: New policy provides free three-year tail for death, disability, or retirement when insured with us for four years.
  • New! Loss Mitigation Credit: Exclusive to Pearl Insurance—firms may receive credit for use of an experienced short-sale mitigation service resulting in reduced short-sale claims.
  • New! Network & Privacy: Get protection if private client information is lost or stolen from your networks and more—a $25,000 sub-limit built into the policy!
  • New! Not-for-Profit D&O: Exclusive to Pearl Insurance. Get Directors & Officers (D&O) Liability Insurance protection for not-for-profit activities.
  • Improved! Agent-Owned Property: Get immediate coverage—no waiting period applies!
  • Improved! Early Claims Resolution: Provides deductible reduction—now for defense and damages—when a claim is closed within 12 months.
  • Improved! Open House Property Damage Coverage: Up to full policy limits.

The above features are limited to the following states: AL  AZ  AR  CA  CT  DE  DC  FL  GA  IL  IN  KS  ME  MD  MA  MI  MN  MO  MT  NV  NH  NJ  NC  OH  OK  OR  PA  SC  TX  UT  VT  VA  WA  WV  WI

  • Choice of per claim coverage and aggregate limits range from $250K/$250K to $5M/$5M
  • Choice of per claim deductibles range from $1,000 to $25,000 (higher deductibles available)
  • Covered professionals include Real Estate Agent, Broker, Leasing Agent, Property Manager, Auctioneer, Appraiser, Consultants, Short-Term Escrow Agent, Referral Agent, and Notary Public
  • Environmental Failure to Advise up to full policy limits (includes pollutants, asbestos, lead, and radon)
  • Consent to Settle
  • Attorney Selection by the Insurance Company or by the Insured with written consent (prior to policy inception)
  • Defense Outside Limits
  • Innocent Partner Protection included for fraud and late reporting
  • Personal Injury
  • $250 per day for Reimbursement of Expenses (up to $10,000 per policy)
  • Coverage for the Sale of Agent-Owned Residential Properties held for over 180 days
  • Short-Term Escrow
  • Vicarious Liability for Franchise Corporation

Except California, Florida, Hawaii, and New York

  • Newly enhanced Lockbox coverage increased to full policy limits (all types of lockboxes are covered; no deductible applies to this benefit)
  • All-new Open House Property Damage coverage sub-limit of $50,000
  • 50% deductible reduction for claims resolved within one year (limit $5,000 per policy period; applies to damages only)
  • Automatic Fair Housing Discrimination sub-limit of $250,000 that provides defense and damages (up to $1,000,000 available)
  • $2,500 included for Regulatory Complaints with a $10,000 aggregate per policy period
  • Coverage for services via the Insured's Internet, email, telecommunications, and other similar systems

New York

  • $50,000 Lockbox sub-limit (all types of lockboxes are covered)
  • Deductible Reduction that applies to claims expenses up to 50% (applies to all claims per policy period)
  • Vicarious Liability Discrimination coverage for discriminatory acts of others

California, Florida, and Hawaii

  • $250,000 Lockbox sub-limit (all types of lockboxes are covered; no deductible applies to this benefit)