One missed disclosure can cost a commission and more.
Errors and omissions coverage for real estate brokerages, agents and property managers, for claims over disclosures, advice and transactions.
Quick answer Real estate errors and omissions insurance is coverage for real estate brokerages, agents and property managers against claims over disclosures, advice and transactions.
- Buyers who discover a problem after closing often name their real estate agent and the brokerage, alleging a missed disclosure, bad advice or a mistake in the paperwork.
- Defending a real estate errors and omissions claim is expensive even when the agent did nothing wrong.
- California doesn't require E&O for real estate agents, but many brokerages require agents to carry it or be covered by the brokerage policy.
- Real estate E&O usually doesn't cover wire fraud on its own; cyber and crime coverage address wire fraud and social engineering.
- Real estate E&O is claims-made, so keeping coverage continuous keeps earlier transactions covered.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
The claims agents actually see
Buyers who discover a problem after closing often name their agent and the brokerage, alleging a missed disclosure, bad advice or a mistake in the paperwork. Defending those claims is expensive even when the agent did nothing wrong.
California doesn't require E&O for licensees, but many brokerages require it of their agents. I'm a licensed real estate broker myself, so I know where these claims come from.
- Disclosure claimsAlleged failure to disclose defects.
- Professional mistakesErrors in advice or paperwork.
- Legal defenseDefense costs for covered claims.
- Property managementClaims from management services, if included.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- License: DRE number and license type.
- Agents: number of licensed agents.
- Volume: transactions and sales volume.
- Services: property management or commercial work.
- Current policy: carrier and limits.
- History: any claims or complaints.
Real estate E&O, answered
Is E&O required for California real estate agents?
The state doesn't require it, but many brokerages require agents to carry it or be covered by the brokerage policy.
Does E&O cover wire fraud?
Usually not on its own. Cyber and crime coverage address wire fraud and social engineering.
Are property management claims covered?
Only if property management is included. Disclose it.
Is E&O claims-made?
Yes. Keep coverage continuous so earlier transactions stay covered.
Do you offer real estate agent errors and omissions insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your brokerage details. I'll shop it.
Agents, transactions and services are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
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Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
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Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.