REAL ESTATE AGENT INSURANCE — OHIO
Real estate agent insurance in Ohio.
Protect every transaction
and every client.
Ohio real estate agents and brokers face E&O exposure on every transaction. One missed disclosure, one contract error, or one fair housing misstep can generate a claim that exceeds years of commissions. Myers Insurance Group has been insuring Ohio real estate professionals since 2008.
Every transaction is a liability exposure.
Real estate agents and brokers provide professional services on some of the largest financial transactions their clients will ever make. That creates professional liability exposure — errors and omissions — that standard General Liability policies simply don't cover.
A missed disclosure about a property defect. A contract deadline that slipped through. A fair housing violation allegation from a buyer who felt discriminated against. A dual agency situation that a client later claims was mishandled. These are all E&O claims — and they can arise months or years after the transaction closed.
Ohio real estate agents who use their personal vehicles to show properties also face a commercial auto gap that catches many agents off guard. Your personal auto policy excludes business use — and showing properties is business use.
The coverage gaps most Ohio agents don't know they have
No E&O coverage. Your broker's E&O policy may cover the brokerage — but may not fully protect you as an individual agent. Independent agents have no E&O coverage at all without their own policy.
Personal auto used for business. Driving clients to showings, traveling between listings, and visiting properties are all business uses. Your personal auto policy excludes these activities.
No fair housing liability coverage. Fair housing complaints are increasingly common. A complaint — even a baseless one — generates legal defense costs that standard policies don't cover.
Open house liability. Slip-and-fall claims at open houses, property damage during showings, and visitor injuries create GL exposure that individual agents rarely carry coverage for.
Real estate agent coverage in Ohio.
A complete Ohio real estate agent insurance program protects your professional services, your vehicles, and your personal assets.
Real Estate E&O
Covers errors in contracts, missed disclosures, negligent professional advice, and transaction errors. Your most important coverage as a real estate professional — and the one most agents assume their broker covers.
General Liability
Covers slip-and-fall at open houses, property damage during showings, and third-party injury claims. GL covers the physical liability your E&O policy doesn't.
Commercial Auto
Covers your vehicle when used for business — showing properties, traveling between listings, driving clients. Personal auto policies exclude business use and will deny claims from these activities.
Fair Housing Liability
Covers defense costs and settlements from fair housing complaints. Even baseless allegations generate legal costs — this coverage protects you from the financial burden of defending your practice.
Office / Business Property
Covers your office equipment, computers, lockbox inventory, signage, and business contents. Important for agents with their own office space or significant business equipment.
Cyber Liability
Real estate transactions involve sensitive financial and personal data. Wire fraud targeting real estate transactions is increasingly common — cyber liability covers losses from fraud and data breach.
Property Manager E&O
For agents who manage rental properties. Property management creates specific E&O exposure — tenant disputes, maintenance decisions, and security deposit handling all generate claims.
Personal Umbrella
Adds excess liability protection above your GL and auto policies. Real estate agents who regularly host open houses and show high-value properties face significant personal liability exposure.
Real estate agent insurance in Ohio — what you need to know.
My broker has E&O insurance — am I covered?
Maybe — but probably not fully. Your broker's E&O policy covers the brokerage as an entity, but the extent to which it protects individual agents varies significantly by policy. Some brokerage E&O policies have per-agent sublimits, exclude certain activities, or require you to contribute to defense costs. Independent agents and team leads almost always need their own E&O policy in addition to any brokerage coverage. We review what you have and identify the gaps.
A buyer claims I didn't disclose a known defect — am I covered?
This is a classic real estate E&O claim — and it's exactly what E&O coverage is designed for. Whether the claim has merit or not, your E&O policy covers your legal defense costs and any settlement or judgment up to your policy limits. Without E&O coverage, you're paying for your own defense out of pocket — which can be extremely costly even when you've done nothing wrong.
Someone was injured at my open house — am I personally liable?
Potentially yes. Slip-and-fall and other physical injury claims at open houses can generate personal liability for the listing agent. General Liability coverage is what responds to these claims. Many agents assume the homeowner's policy covers open house incidents — but the homeowner's policy covers the homeowner, not the agent hosting the event. GL coverage for individual agents is essential for anyone who regularly hosts open houses.
I use my personal car to show properties — do I need commercial auto?
Yes. Driving clients to showings, traveling between listings, and any vehicle use that is part of your real estate business qualifies as business use under your personal auto policy — which excludes it. A commercial auto endorsement or separate commercial auto policy covers these activities. One accident while driving a client to a showing without commercial coverage means a denied claim and full personal liability for the accident.