Real estate office insurance is business insurance tailored to property damage and liability perils — it protects the investment in your brokerage. Note that agents and brokers must carry RECO professional liability separately; real estate office insurance covers what RECO does not.
Covers legal fees and settlement costs for third-party bodily injury, property damage, and personal harm
Covers damage or loss to your office building and contents (computers, paperwork, artwork, furniture) from fire, natural disaster, flooding, and vandalism
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What is real estate office insurance?
Real estate office insurance is brokerage insurance, business insurance tailored to property damage and liability perils. It protects the investment in your brokerage.
Is real estate office insurance required by law in Ontario?
No, it is not legally required. However, agents and brokers must carry RECO professional liability (E&O, consumer deposit, and commission protection), that is a separate requirement. Real estate office insurance is a different coverage that protects your office and its operations.
Does real estate office insurance cover cyber incidents?
Cyber Liability Insurance covers susceptibility to hacking, ransomed information, and legal expenses from a breach of privacy. It is an additional coverage available as part of a real estate office insurance package.
Does real estate office insurance cover employee theft?
Crime Insurance covers employee theft of cash deposits, allowing you to recoup the loss through insurance compensation. It is an additional coverage available as part of a real estate office insurance package.
What is equipment breakdown insurance and do I need it for my real estate office?
Equipment Breakdown Insurance (/business-insurance/equipment-breakdown-insurance/) covers mechanical failure (for example, HVAC) that is not covered by standard commercial property insurance.
