Real Estate Agent Insurance Coverage Checklist
The coverages a real estate agent business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for individual agents and teams working under a brokerage. Priorities reflect typical exposure; confirm what the brokerage's policies already cover.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Real Estate E&O (confirm under brokerage) | Covers professional claims — confirm the brokerage policy names or defines the agent and team entity as insureds. | Core | |
| Personal Auto with Business Use | Covers driving clients; personal auto may not cover business use unless declared. | Core | |
| General Liability | Covers injuries and property damage at showings and open houses in other people's homes. | Prevalent | |
| Cyber Liability & Social Engineering | Covers wire fraud and compromised email affecting clients. | Prevalent | |
| Team E&O / Deductible Reimbursement | Needed if the team operates as its own entity or pays the brokerage E&O deductible. | Situational | |
| Employment Practices / Workers' Comp | Needed if the agent or team employs staff directly. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is assuming the brokerage's policy covers everything. Brokerage E&O may not name a team LLC, and many brokerages pass the deductible to the agent. General liability for showings and open houses in sellers' homes, and personal auto for driving clients, usually sit with the agent. Safety is part of the risk too: in NAR's 2024 survey, 86% of members showed properties alone, and only about half said their brokerage had standard safety procedures.
Send us the checklist and we'll review your real estate agent coverage line by line, then market it across multiple carriers that compete for your account.
Related: Real Estate Agent Insurance · Real Estate Agent Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a real estate agent business need?
The core coverages for a real estate agent business are Real Estate E&O (confirm under brokerage), Personal Auto with Business Use. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my real estate agent coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.