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Business Insurance For Realtors

From $250

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Being a real estate agent is tough work

But you know what could make it tougher?

Let's cut to the chase. Most real estate agents in California SHOULD have a business owner's policy. A realtor BOP protects your real estate business in the same way that a homeowners insurance policy protects your home and personal possessions.

With a business policy, you combine essential coverage areas that are essential to realtors. This saves you money over signing up for different policies and can safeguard your real estate business.

We offer a basic Business owners policy (BOP) and specific business insurance for Real Estate Agents policy that has increased coverage where agents need it most.

Here's what it does...

Click the arrows to show how a BOP covers you

Problem

Your client's property is damaged during a showing or appraisal and you are liable for damages. 

We Cover That!

Real Estate BOP protects you from lawsuits resulting from injury or property damage or allegations of injury or property damage.

Issue

You use a weak password and your computer is hacked. All of your client's personal info is stolen. 

We Cover It!

Coverage helps you by providing case management, legal support, credit monitoring, and legally required notifications. We help you rebuild trust.

Dilema

A client visits your office and trips on a loose carpet. They hurt themselves and find you liable for medical bills.

That's Covered!

Real Estate BOP protects you from lawsuits resulting from injury or property damage or allegations of injury or property damage.

Headache

A pipe bursts and leaks all over a filing cabinet containing your critical documents.

Yep, It's Covered!

We cover you for damage or destruction of important documents used in your business.

Situation

You list a home with the incorrect price. This costs the client several bids on their house before the error is noticed. They blame you.

We Cover That Too!

You are protected if you are sued for professional errors, negligent acts or omissions during the course of working as a real estate agent.

Predicament

You get an e-mail from Ashley, a trusted client. You open it unaware that it contains a virus.

Covered!

We provide coverage for repairing and restoring data due to harmful code that damages or destroys any part of your computer system.

Trouble

A thief breaks into your office and steals all of your computers, printers, and equipment. It's only Monday!

Covered!

This coverage will replace the contents that were stolen or damaged and repair the damage from the incident. Your insurance covers your loss at what it would cost you to replace the items.

Catastrophe

The restaurant next door leaves a burner on. A fire destroys the roof of your office and you cannot operate your business until repairs are made.

Yep, It's Covered!

Helps the cover the loss of income (up to 12 months) when you can’t run your real estate business because of covered property damage.

Auto insurance for realtors

Save even more by bundling with auto

As an agent, you use your vehicle for work regularly for client showings and other day-to-day activities. 

  • Coverage
    • Covers damage to your vehicle, whether your driver was at fault or not
    • Coverage insures against injury to others and damage to other vehicles, even if it's due to your employee's negligence.
    • Uninsured Motorist Coverage
    • Hail Storm Vehicle Damage
    • Lease and Loan Gap Coverage. If you still owe money on a loan or lease, you could be liable for the cost of replacing the vehicle.
Cullen Insurance Agent

Why Choose Cullen Insurance?

You can count on Cullen Insurance Agency to be your expert in handling your realtor business insurance needs. Our expert team is here for you and your business. Having numerous locations all over Southern California - we not only understand, but know the importance of a reliable insurance provider helping you find peace in knowing your business is running smoothly.

Call Cullen Insurance today at (661) 237-8010 and discover why we are the best in general liability insurance.

A Closer Look At Coverage For A Real Estate Policy

1

Liability

  • Injury & property lawsuits
    • Protects you from lawsuits resulting from injury or property damage or allegations of injury or property damage.
    • Example: If a client visits your office and trips you could be liable.
    • Example: If you accidentally damage a client’s property during a showing or appraisal you could be liable.

  • Professional Errors
    • You are protected if you are sued for professional errors, negligent acts or omissions during the course of working as a real estate agent.
    • Example: You list a new home, but listed it with the incorrect price. This costs the client several bids on their house before the error is noticed.

  • Data Compromise
    • Coverage helps you by providing case management, legal support, credit monitoring and legally required notifications.
    • You maintain a significant amount of your customers' confidential personal and financial data. You need coverage if that information is lost or stolen.
    • Avoid high recovery costs and rebuild trust faster.
2

Commercial Property

  • Equipment
    • Helps protect the location of the business and the equipment you use to run your business. For example, computers, signage, office furniture, etc.
    • This coverage will replace the contents that were stolen or damaged and repair the damage from the incident. Your insurance covers your loss at what it would cost you to replace the items.
    • Example: Someone breaks into your office overnight and steals and/ or damages desks, equipment and computers.

  • Valuable Papers & Records
    • This covers you for damage or destruction of important documents used in your business.
    • Example - A pipe bursts and leaks all over a filing cabinet containing your critical documents

  • Electronic Data
    • Provides coverage for repairing and restoring data due to harmful code that damages or destroys any part of the computer system.
    • Example: You get an e-mail from a trusted client. You open it unaware that it contains a virus.
3

Business Income

    • Helps cover the loss of income when you can’t run your real estate business because of covered property damage.
    • We can provide agents with up to 12 months of coverage.
    • For example, A fire destroys the roof of your office and you cannot operate your business until repairs are made. this would help cover your loss of income.

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