Real Estate Agents & Brokers

Norman-Spencer protects Real Estate Agents & Brokerages from potential financial loss due to alleged mistakes by the organization or its agents.

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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.


  • 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

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

  • Regulatory Board Proceedings Coverage*
  • Subpoena Assistance*
  • Electronic Information Damage Coverage*
  • Professional Reputation Protection*
  • Loss of Earnings, up to $50,000 per policy period

Trust Norman-Spencer to have your back. Give us a call at (800) 543-3248 to learn more about application requirements and submission requirements.