AGENTS & BROKERS

There are those that rely on keyboards to do their job, and then there are those whose who hammer out their day with the help of their trusted tools and equipment.  We are here to serve the insurance needs of the latter with our Contractors Tools & Equipment Program.

AGENT & BROKER Coverage

OVERVIEW

Norman-Spencer’s Real Estate E&O Team has been serving the professional liability insurance needs of the real estate community for over 30 years.

We’re dedicated to providing your firm with comprehensive and competitive E&O Insurance solutions tailored to meet needs of the real estate industry.

Our exclusive real estate program with an A.M. Best “A++” rated (Superior XV) carrier, provides one of the most comprehensive policy forms available in the market. Coverage is available to firms whose services include Residential or Commercial Sales, Broker Price Opinions, Property Management, Leasing, Appraisal, Mortgage Brokering and Escrow.

Highlights
  • 3rd Party Drone / Photography Coverage
  • Fraudulent Funds Transfer Coverage
  • First Dollar Defense Available
  • Deductibles as low as $0
  • Defense Costs Outside the Limits
  • Deductible Waiver and Mediation Incentive
  • Environmental Hazards to Full Policy Limits
  • Mold Coverage to Full Policy Limits
  • Bodily Injury and Property Damage for Open House and Lock Box to Full Policy Limits
  • Fair Housing / Discrimination Coverage
  • Agent Owned Property Coverage
  • Not-for-Profit D&O
  • Seller’s E&O
  • Innocent Insured Coverage
  • Pre-claims Assistance
  • Nationwide Availability (excluding CA, AK, LA, WV)
  • $500 Minimum Premium, varies by state
SUPPLEMENTARY PAYMENTS
  • Regulatory Board Proceedings Coverage*
  • Subpoena Assistance*
  • Electronic Information Damage Coverage*
  • Professional Reputation Protection*
  • Loss of Earnings, up to $50,000 per policy period

*$25,000 / $50,000 limit for each

OVERVIEW

Norman-Spencer’s Real Estate E&O Team has been serving the professional liability insurance needs of the real estate community for over 30 years.

We’re dedicated to providing your firm with comprehensive and competitive E&O Insurance solutions tailored to meet needs of the real estate industry.

Our exclusive real estate program with an A.M. Best “A++” rated (Superior XV) carrier, provides one of the most comprehensive policy forms available in the market. Coverage is available to firms whose services include Residential or Commercial Sales, Broker Price Opinions, Property Management, Leasing, Appraisal, Mortgage Brokering and Escrow.

Highlights
  • 3rd Party Drone / Photography Coverage
  • Fraudulent Funds Transfer Coverage
  • First Dollar Defense Available
  • Deductibles as low as $0
  • Defense Costs Outside the Limits
  • Deductible Waiver and Mediation Incentive
  • Environmental Hazards to Full Policy Limits
  • Mold Coverage to Full Policy Limits
  • Bodily Injury and Property Damage for Open House and Lock Box to Full Policy Limits
  • Fair Housing / Discrimination Coverage
  • Agent Owned Property Coverage
  • Not-for-Profit D&O
  • Seller’s E&O
  • Innocent Insured Coverage
  • Pre-claims Assistance
  • Nationwide Availability (excluding CA, AK, LA, WV)
  • $500 Minimum Premium, varies by state
SUPPLEMENTARY PAYMENTS
  • Regulatory Board Proceedings Coverage*
  • Subpoena Assistance*
  • Electronic Information Damage Coverage*
  • Professional Reputation Protection*
  • Loss of Earnings, up to $50,000 per policy period

*$25,000 / $50,000 limit for each