Get the real estate liability insurance you need to get the job done
NEXT Insurance is a one-stop shop for real estate business insurance.
We’ll help you quickly get insurance online at an affordable price so you can get back to your next open house and helping your sellers and buyers close deals.
Oh, and you’ll save 10% when you bundle two or more of our policies.
We specialize in business insurance for real estate professionals
Choose your profession for more information or start an instant quote
Why do real estate professionals need business insurance?
Small business insurance offers you protection from a wide range of unexpected events and accidents, from a prospective buyer falling down the stairs during an open house to a crash involving your work vehicle.
Having the right types of insurance for your real estate business means that you don’t have to pay out of pocket if an accident does occur. With the right coverage, you can do your work and focus on your job without worrying about those pesky “what if” scenarios.
How real estate liability insurance protects your small business
Real estate liability insurance can help cover costs if you find yourself in the unfortunate situation of being accused of causing an injury or damaging property, or if someone says that your work mistake caused financial losses.
We combine two types of liability insurance in our small business insurance packages:
General liability is often the basis of insurance coverage for real estate professionals. It protects you against expenses related to slip-and-fall accidents, damage to property that doesn’t belong to you and other risks.
Learn more about General liability for real estate.
Errors & Omissions (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of misrepresenting how much acreage a property includes, it could help cover related expenses to defend yourself. Real estate brokers will often require agents to carry E&O coverage.
Learn more about E&O insurance for real estate.
How much does real estate insurance cost?
You can save up to 25% in discounts when you buy real estate insurance with NEXT.* Whether you’re a property manager or interior designer, the exact amount you pay will depend on:
- The types of residential and commercial properties you work with
- Where your clients’ properties are located
- Your payroll and the kinds of jobs your employees do
- The number and types of vehicles you use at work
Business insurance for real estate professionals has never been easier
Customized business insurance to protect you and your clients
Get covered in 10 minutes and you can save up to 25% in discounts
Coverage that grows with you and easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor
Other important business insurance coverage for real estate professionals
Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your employees, your vehicles and your business property.
We typically recommend:
Workers’ Compensation for real estate agents
Workplace injuries happen more frequently than you might think, especially in your line of work. Workers’ comp can pay for injuries and illnesses that happen to you or your employees while on the job. Workers’ comp can also help to cover lost wages while you are recuperating.
This coverage is required for businesses with employees in almost every state.
Learn more about workers’ comp.
Commercial Auto insurance
You’ll need commercial auto insurance in most states if you own work vehicles that are titled to your business.
You can use a commercial auto policy to insure your personal vehicle if you use that vehicle for your business, but you can’t apply your personal car insurance to your company car. So if you drive your own car to show properties or meet with clients, it probably won’t be covered under your personal car insurance.
Learn more about commercial auto.
Commercial Property insurance
Real estate professionals who own or rent physical spaces will need property insurance to help protect business equipment, inventory and furniture. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.
Learn more about commercial property.
Customer reviews
I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.
Frequently asked questions about real estate insurance
What do I need to get an insurance quote online?
We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.
How does the claims process work with NEXT Insurance?
- If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
- If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
- If you cannot access your online account and require help from our support team, please visit our online help center.
Need a Fast Certificate of Insurance?
Download the NEXT mobile app and get your COI in seconds.
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.