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Chris Dow Real Estate Business Insurance Chris Dow Real Estate Business Insurance

Business Insurance For Real Estate Professionals

Real Estate Business Insurance comes in many forms. Northern Insurance Service, Ltd. has partnered with The Hanover Insurance Company* to offer a special insurance coverage exclusively for real estate professionals. This offering is available to all agents - from rookies to top producers. Broad coverage is offered for one premium including:


  • $1,000,000/$3,000,000 General Liability,
  • including Non-Owned Auto Liability
  • $5,000 Medical Payment
  • $5,000 Cyber Liability (where available)
  • Additional Insured for Broker/Owner if Required

*$275.00 Policy Period Premium

what is real estate business insurance?

Insurance protection for your real estate practice in the event of general liability claims, including defense coverage.

Common Insurance Myths


  • Isn't that coverage included in my E&O (errors & omissions) insurance?

    No, E&O covers the professional side of your business and General Liability is typically excluded in E&O insurance. E&O insurance is designed to cover activities like contract negotiations, recommendations for services, contractual issues during the buying & selling process and so on.


  • Don't I already have this type of insurance from my Broker/Owner?
    No, most Broker/Owner's policies don't extend General Liability coverage to independent contractors.

Why do you need real estate business insurance?


  • Your Broker's/Owner's general liability insurance policies are designed to protect the real estate firm from general liability losses arising out of the work of the named insured (broker/owner) and its employees. They do not protect an independent contractor real estate agent working on behalf of the firm for either defense or indemnity stemming from general liability claims.


Coverage underwritten by The Hanover Insurance Company. Coverage may not be available in all jurisdictions and is subject to the terms and conditions of the policy. This material is provided for informational purposes only and does not provide any coverage. Coverage is subject to the issued policy.
*Pricing, terms, and conditions will be reviewed annually by the RPG and insurance carrier for appropriateness and competitiveness.

Northern Insurance Real Estate Professionals RPG, Inc. is a Risk Purchasing Group, established pursuant to the federal Risk Retention Act. As such, membership in the purchasing group is a pre-requisite for obtaining insurance coverage. Submitting an application for insurance also counts as applying for membership in the Purchasing Group. The cost of membership is $25.00 per policy period, and will be billed annually.

Christoper E. Dow is the licensed producer for the risk purchasing group.

About Chris Dow

Chris spent 11 years in the real estate business as both an agent and office manager. His extensive background in the trenches gives him intimate knowledge of the day to day activities that encompass the real estate business. Chris has used this knowledge to vet numerous insurance companies to help in offering the best insurance products for the real estate professional, at very competitive pricing. Chris is also available for office presentations.

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