Real estate agent insurance is usually a set of policies that work together to protect your income, your reputation, and your ability to keep operating when a claim hits. It can help pay for legal defense, settlements, and medical costs tied to covered incidents, even when allegations are unfounded. For many agents, the core needs fall into three buckets. First is liability for accidents connected to your business activities, like injuries at an open house or property damage during a showing. Second is protection for your business property and basic operations, such as computers, signage, and office contents, whether you work from a small office or a home setup. Third is coverage for employee related injuries if you have staff, assistants, or a team structure that triggers workers’ compensation requirements. Depending on how you run your practice, you may also want to consider professional liability, often called errors and omissions, since many real estate claims revolve around advice, documentation, and process. We can help you sort what is essential versus what is optional for your situation.