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.

Don't conduct business without it!

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Starburst EO 2020


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Protecting your career is just a few short steps away.


Welcome Indiana REALTORS®

Contracts only go so far to protect real estate professionals from potential lawsuits. And often, clients don't hesitate to take legal action if services don't meet their expectations. When you're working in the real estate industry, you need protection against the professional risks you face every day.

That's why obtaining E&O insurance that is tailored to your needs and budget is essential to running a successful business. Whether you're just starting out or you're a seasoned professional, securing coverage is a smart decision. Even if you're not at fault, E&O insurance can help you get back on your feet.

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Sponsored by Indiana REALTORS®

Pearl Insurance provides coverage throughout Indiana including Indianapolis, Fort Wayne, Evansville, South Bend, and more. Don't be unprepared when facing a lawsuit. Contact us today to get a quote!


  • Agent-owned residential property transactions
  • Subpoena assistance (no-cost legal assistance)
  • Lockbox and open house coverage to full policy limits
  • Mold coverage with limits beginning at $100,000
  • Public relations advisory services
  • Fair housing discrimination claims
  • Environmental "Failure to Advise" coverage


  • We provide nationally recognized risk management materials, seminars, and state-specific hotlines
  • If your claim is resolved within one year, we'll reduce your deductible by 50%
  • Qualify for zero out-of-pocket expenses on claims filed up to one year after closing if you sell a home with a signed (or waived) warranty from America's Preferred Home Warranty, Inc. Learn More



Risk Management:

Are you operating smart, or are you a risky business? Find practical management tips to reduce your risk of professional liability claims. Visit E&O Risk Management Video Library


Looking for additional coverage? Add these endorsements to your policy for comprehensive protection.

Coverage for:
  • Contingent bodily injury and property damage for all real estate services
  • Contingent bodily injury and property damage for property management services
  • Construction/Development coverage
  • Cyber Security Liability with enhanced protection for cyber extortion, regulatory fines and penalties, extended income recovery, misdirected payment fraud, identity theft, and more


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.

Business Brokerage Supplemental Application

Supplemental coverage for the sale of business opportunities.

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.

Let's Talk

Fill out the form below to talk with a Pearl Insurance representative.

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