This product targets traditional residential real estate sales firms.

Risks With Highest Hit Ratio!

• Firms that derive at least 65% of income from residential real estate sales (homes, farm and land).
• Firms that have fewer that 15 agents and/or brokers and under $1,000,000 in revenue.
• No involvement in construction or development.
• Firms in operation more than 3 years or whose principal has been either an agent 5 years or a broker 2 years.
• No errors and omissions claims or disciplinary actions in the past 5 years.
• Non-franchised real estate firms.

Eligible Risks With Next Highest Hit Ratio!

• Up to 50 agents/brokers and $5,000,000 in revenue.
• 1 or 2 errors and omissions claims in the past 5 years.
• Disciplinary action against a member of the real estate firm.
• Firms that derive less than 10% of income from sales of homes built by them or a related construction or development company.
• Accounts with more that 35% or income from property management or appraisal activity may be considered under the property managers or appraisers products.
• Franchised real estate firms.

Product Advantages

• A++ rated carrier.
• $150,000 (damages and defense) of discrimination coverage built into the policy form.
• Defense outside the limit.
• Duty to defend.
• Coverage for the sale of any residential owned property.
• Internet coverage provided.
• Full prior acts coverage available.
• $2,500/$5,000 for defense of Insureds in front of licensing or regulatory bodies.
• Ability to provide general liability and/or property coverage separately with other JHA markets.
• Optional environmental pollutants coverage.

Program Limits & Retentions

• Up to $2,000,000.
• Retention's start at $0 for individuals and $2,500.