Errors and
Omissions Insurance

For those less-than-perfect moments.

No one's perfect. And if we're honest, mistakes probably happen more often than we'd like to admit. But don't sweat it. Just make sure you're protected when they do with Errors and Omissions (E&O) Insurance from Pearl Insurance.

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Protecting your career is just a few short steps away.


Coverage Benefits for Hawaii

Through our network of preferred carrier partners, we can offer you extensive coverage benefits including, but not limited to, those listed below. The scope of coverage benefits varies depending on location and may not be available in all states. But we will work to provide you with the best coverage available.


  • Your owned real estate transactions
  • The cost of defending a disciplinary complaint
  • Claims stemming from unknown preexisting or new environmental hazards, including pollutants, asbestos, lead, and radon
  • Fair housing discrimination claims
  • Property damage caused by someone who gained entry to a property via the lockbox
  • The immediate response costs associated with a data breach
  • Property damage that occurs during an open house
  • Claims alleging personal injury, such as wrongful eviction, slander, or invasion of privacy


  • We provide nationally recognized risk management materials, seminars, and state-specific hotlines



" Pearl Insurance offered me, by far, the best price and service. My representative was extremely accessible and responsive, promptly returning all of my phone calls and emails. I couldn't be happier with Pearl! "

- Michael, Broker and Co-Owner of Real Estate Firm

Policy terms and conditions may apply, and you may be subject to underwriting.

New Business Application

Fillable PDF document for new clients who would like to place their E&O Insurance with Pearl Insurance.

Renewal Application

Returning clients who would like to continue their E&O Insurance with Pearl Insurance.

XL Claim Form

To file a claim, download this form and fax it to 1.866.817.9009.

Ownership Interest Supplemental Application

Supplemental coverage for firms that list/sell properties that are developed or constructed by a separate business entity owned by the firm, any of its agents, or an immediate family member.

Ownership Interest Supplement

Business Brokerage Supplemental Application

Supplemental coverage for the sale of business opportunities.

Business Brokerage Supplement

Other Real Estate Services Supplemental Application

Supplemental coverage for other real estate services covered under the main policy such as real estate appraisals, real estate auctioning, mortgage brokerage, and property management.

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