Insurance Essentials for Texas Real Estate Agents
Buying or selling a home is one of the biggest moments in a person’s life. As a Texas real estate agent, you don’t just help clients complete transactions. You guide them through an emotional journey full of hopes, dreams, and important decisions. Your expertise brings clarity and confidence when it matters most. Because your role carries such responsibility, protecting yourself and your business with the right insurance is essential. At Rollo Insurance, we understand the unique position you hold and the specific risks that come with it. We are here to help you safeguard your career and the trust clients place in you.
The Unique Role and Risks of Texas Real Estate Agents
Real estate agents are more than salespeople. You are trusted advisors helping families find a place to call home. Along with this privilege come distinct risks, including:
- Professional Liability (Errors and Omissions E&O): Even a small mistake in advice, paperwork, or disclosures can lead to serious financial loss for your clients. These claims can be costly and damage your reputation.
- Breach of Contract: When agreements between buyers, sellers, and brokers are not followed precisely, legal issues can arise.
- Misrepresentation and Failure to Disclose: Being upfront about a property’s condition and details is not just ethical, it is required by Texas law. Oversights can lead to lawsuits.
- Fair Housing and Privacy Violations: Protecting your clients from discrimination and safeguarding their personal information are key responsibilities with legal consequences.
- Defamation and Vicarious Liability: Your words and the actions of those you work with can carry weighty consequences.
- Cyber Liability and Premises Liability: Keeping client data secure and maintaining a safe office environment are vital for your business’s protection.
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Insurance Coverage That Supports Your Work
To protect yourself and your clients, consider these coverages:
- Errors and Omissions Insurance: The most important coverage to protect against claims of mistakes or negligence in your professional duties. Many Texas brokerages require this.
- Commercial General Liability: Covers accidents at your office or during business events.
- Cyber Liability Insurance: Shields your business from the fallout of data breaches.
- Commercial Auto Insurance: Provides coverage when you use your vehicle for showings or meetings.
- Workers Compensation, Umbrella, and Business Property Insurance: Additional protections for your employees, liability limits, and office assets.
Cost Considerations
Insurance costs will vary depending on:
- Your coverage limits and deductibles
- Claims history
- Size of your brokerage and your experience
- The nature and volume of your business
At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.
Rates
Finding the best rates for the coverage you need.
Education
Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.
Assets
Protecting the most valuable things you own.
Life
A partner who you can call on today, tomorrow, and the rest of your life.
Helping Families with Confidence and Care
Your role as a real estate agent is deeply personal. You help families turn a house into a home, marking the start of new chapters and lifelong memories. Having the right insurance in place allows you to focus on this meaningful work with peace of mind. At Rollo Insurance, we recognize the trust your clients place in you and the unique risks you face. Contact us today for a personalized consultation, and let us build a plan that protects your career and supports your commitment to the families you serve.
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Serving the communities of...
Albuquerque, NM
Argyle, TX
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Bertram, TX
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Buffalo, MO
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