Pearl Insurance: Trusted Coverage for Your Real Estate Business

Exclusive Group Benefits | E&O Coverage


Pearl Insurance is the WRA-endorsed carrier for Errors and Omissions (E&O) Insurance. Underwritten by AXA XL Group and rated "A+" by A.M. Best, the Pearl Insurance E&O program has earned sponsorships from over 30 national, state and local real estate associations — including the WRA — since 1994.

The program is designed for the real estate industry and the risks REALTORS® face. Pearl's policy includes valuable protection for real estate professionals, such as coverage for network and privacy claims, not-for-profit directors and officers coverage, open house property damage coverage to full policy limits, and agent-owned property transaction coverage with no waiting period. Pearl also offers coverage for personal injury, lockbox liability to full policy limits, failure to advise environmental and mold coverage to full policy limits, and automatic fair housing discrimination coverage. Pearl is now supplementing its Plus program with essential cyber endorsements. Don't leave your firm vulnerable to the consequences of cyberattack!

As a member of the WRA, you have access to Pearl's sponsored professional liability insurance that offers comprehensive coverage at a competitive price. We’ve done the research for you, so you can be assured the Real Estate ProtectionPlus program designed by Pearl Insurance is one of the most comprehensive coverage plans on the market.


Because Pearl Insurance has been in the professional liability business for over 65 years. And its real estate experts have a combined 150 years' experience protecting real estate professionals.

How does that help you?

The PLUS program has the coverage you actually need to protect your business – and a whole lot more.

  • A longtime carrier partner, AXA XL, rated A(+) by A.M. Best.
  • An experienced and efficient service team under one roof for faster turnarounds.
  • A seasoned claims management team.
  • Click-to-bind coverage online in minutes and simplified renewals.
  • Extensive risk management resources, including a legal hotline.

If you don't have coverage or are not sure your current coverage measures up, give the Pearl Insurance experts a call at 855-465-0200 to discuss your business needs.


Review and research for yourself online.


Complete an online application, or click-to-bind for immediate coverage.

Premium estimate

Not ready for a quote? Take a few minutes to complete the premium estimate. A Pearl representative will contact you within 24 hours and will use this information to provide you with a quote.

E&O insurance estimate >>

Instant quote

WRA members receive special access to Pearl's instant quote. Simply register and complete a short questionnaire to see if you are eligible for the instant quote policy. 

E&O insurance instant quote >>

As a Pearl policyholder, you'll gain access to quality real estate E&O insurance as well as:

  • Extensive risk management tools and services.
  • Quality customer service.
  • Proactive claims handling and assistance by the experienced XL claims staff.
  • Expert defense against a claim from Wisconsin's dedicated panel counsel.

Additional features of Pearl's E&O coverage include: 

  • Mold coverage.
  • Your right to consent before settlement.
  • 50 percent deductible reduction for claims resolved within 12 months.
  • Prior acts coverage to qualified applicants.
  • $250,000 fair housing discrimination coverage includes defense and damages; up to $1,000,000 available.
  • Claims rising out of regulatory complaints; increased limits of $15,000 with a $30,000 aggregate.
  • Subpoena assistance to $30,000 per policy period.

Save money and fulfill your liability needs for less

Pearl's E&O insurance rating structure allows substantial discounts based on a number of sales associates holding professional real estate designations, including GRI, CRS, CRB, broker or associate broker, participation in a home warranty plan, and more. 

Learn more about all of the benefits of Pearl's E&O coverage by calling 800-289-8170 or visiting

Underwritten by: Greenwich Insurance Company Indian Harbor Insurance Company. (Coverage not available in all jurisdictions.)

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