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As a commercial or residential real estate firm, you are responsible for your employees and the agents you work with. This is where the term “Vicarious Liability” becomes important. Vicarious Liability is when one person is responsible for the actions of another. In real estate, this translates to when the buyer's broker or agent can be held responsible for any wrong or negligent actions. With the proper business insurance, lawsuits related to Vicarious Liability can be covered.
Real Estate Firms should consider the following coverages:
Business Owners Insurance
Business owner insurance, also known as a business owner’s policy, combines business property and business liability insurance into one policy. This policy can cover your business from claims related to issues like fire, theft, customer injury, and property damage.
Commercial Property Insurance
Commercial Property insurance protects your company’s physical assets from fires, storms, explosions, theft of commercial property, vandalism, and more. This coverage also protects lost income due to any business suspension caused by a covered loss.
Professional Liability Insurance (commonly called Errors and Omissions)
As a real estate firm, you’re providing an important service for people. To make sure your assets are protected, Professional Liability Insurance provides protection against claims of negligence related to a professional service. Similar to General Liability, this coverage is more more narrowly focused, meaning it could be beneficial to also obtain General Liability or Umbrella Coverage to be sure you’re protected in all the right areas.
Umbrella/Excess Coverage
Umbrella and Excess coverage protects you from claims and lawsuits that could go beyond the coverages of other policies.
Cyber Liability Insurance
Cyber liability insurance protects businesses from data breach and other cyber crimes by helping them pay for recovery expenses.
Workers’ Compensation Insurance
Workers’ compensation insurance, (sometimes called workman's comp), provides benefits to employees and their families for work-related injuries or illnesses. This can cover medical care, wages from not working, funeral costs, and more. If a worker's family decides to sue the company, it can also help cover any legal fees.
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