Texas Real Estate Brokerages & Agents Insurance
Underwriting brief for Texas offices of real estate agents and brokers (11,063 active Texas establishments across 138 counties). We compare 30+ TDI-admitted and specialty commercial carriers for real estate brokerages with fast Certificate of Insurance (COI) turnaround.
Texas Real Estate Brokerages Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 531210 — Offices of Real Estate Agents and Brokers
- NCCI Workers' Comp Codes
- 8742 (Outside Salespersons / Real Estate), 8810 (Office)
- ISO GL / Coverage Form
- 67010 (Real Estate Agents/Brokers) + Real Estate E&O
- Texas Regulator / Spec
- Texas Real Estate Commission (TREC — Tex. Occ. Code Ch. 1101)
Texas brokerages and LLC-licensed agents face Seller's Disclosure (Tex. Prop. Code §5.008) disputes, wire-fraud closing scams, and open-house premises claims.
Where Real Estate Brokerages Cluster in Texas
- Harris: 1,720 firms (15.5% of TX) • 5,334 employees
- Dallas: 1,265 firms (11.4% of TX) • 7,939 employees
- Travis: 1,228 firms (11.1% of TX) • 4,383 employees
Primary Loss Exposures
- Failure-to-disclose foundation, flood-zone, or roof defects under Texas Seller's Disclosure.
- Hackers spoofing an agent's email to redirect a buyer's $50K–$300K earnest/closing wire.
- Client injuries during open houses, vacant-home showings, and ranch-land ATV tours.
Key Endorsements We Verify
- Real Estate E&O with Lockbox Property Damage, Fair Housing Discrimination & Open-House Coverage
- Cyber & Social Engineering Wire Fraud (crucial for Texas title/escrow transactions)
- Hired & Non-Owned Auto (HNOA) for brokerages whose 1099 agents drive buyers to showings
Real Estate Brokerages Insurance FAQs
Does TREC require Texas real estate agents to carry E&O insurance?
TREC does not mandate E&O by statute, but virtually all Texas brokerages, MLS boards, and franchise networks require E&O—and one disclosure lawsuit can exceed $50,000 in defense fees.
Does Real Estate E&O cover a buyer who trips at an open house?
Standard Real Estate E&O often includes a modest Open-House/Lockbox sublimit, but a brokerage office and active listing portfolio need full Commercial General Liability.
What if a scammer spoofs my email and steals a client's closing wire?
Standard E&O excludes cyber/wire fraud—you need a Cyber policy with Social Engineering / Funds Transfer Fraud.
Are commercial leasing and farm/ranch sales covered on a residential E&O policy?
Only if those transaction types are disclosed and rated on the policy schedule.