Member Benefit

Several premium credits are available, as allowed by state law, including a credit for being an NAR member, holding select NAR designations, continuing education, use of standard contracts, use of home warranties, risk management programs, etc. A longevity credit is available for firms that have been insured with Victor for three years, with additional longevity credits available after reaching the five-year mark and ten-year marks.

How to Get This Offer

In order to obtain a policy with Victor, you must submit a completed application to your insurance agent/broker. IIf you require assistance in securing an insurance agent/broker, Victor can provide you with a number of options.

Be sure to note that you are a member of the National Association of REALTORS® and provide your Member ID on your application to receive your policy credits. If you don’t know your Member ID, you can look it up here.

Your insurance agent/broker will then respond with a quote for coverage. Get started here.

To learn more, visit or call 888-429-6638.

Note: Your insurance agent/broker can obtain a quote even faster when they use Victor’s online quoting platform, V2.

About This Partner

Victor Insurance Managers LLC is one of the largest and most experienced underwriting managers of specialty insurance programs in the world. As an NAR member, you have access to exclusive cost savings on market-leading errors & omissions insurance.

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Coverage is available in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands.

Victor’s program offers coverage for firms and individual agents. Their policy also provides coverage for any persons or entities rendering professional services on behalf of the applicant real estate firm or others.

Coverage is also available for a broad range of other real estate specialties, including:

  • Commercial/industrial agents
  • Farm and land agents
  • Property management
  • Appraisals
  • Sale of property constructed or developed by a related entity
  • Auctioneers
  • Escrow and closing agents.

Policy highlights:

  • Coverage admitted with an A rated carrier
  • Limits: Up to $5 million
  • Deductibles: Starting at $0
  • Environmental hazards included to policy limits at no additional premium
  • Public relations event coverage up to $50,000 per policy period
  • Discrimination coverage for defense and damages ($250,000 sublimit) at no additional premium
  • Privacy response coverage up to $20,000 for expenses incurred by the insured due to a security breach
  • Death, disability and non-practicing extended reporting periods at no additional premium
  • Premium credits for favorable claims experience and participation in risk management programs
  • Open house, mold and employment practices liability coverage
  • And more!

Premium Rates

Premium rates are filed with the department of insurance in each state and are competitive in the marketplace. Rates vary, based on the type of coverage needed. The program offers a wide range of deductibles and claim limits.


If you have a claim, your claim will be handled by dedicated real estate claims specialists and attorneys across the country that specialize in real estate claims litigation.

Victor offers free pre-claims assistance to help prevent an issue from becoming a claim. Typical claims brought against real estate professionals include:

  • Negligence
  • Misrepresentation
  • Fraud/intentional acts/misconduct
  • Breach of contract
  • Breach of fiduciary duty
  • Civil rights/fair housing

General Program Brochure

Learn more about the E&O insurance solutions and member benefits available to agents and firms from Victor Insurance Managers LLC. Included are details about claims and managing risk, information about the company, and information about how to get a quote.

Download brochure

Franchise Program Brochure

Franchise real estate brokerages have the same E&O risks as independent firms, but they do have one unique risk – their franchise brand and reputation. This reality makes protecting your well-known brand all the more important. Learn more about specialized coverage solutions for franchised firms.

Download brochure

Claims Scenarios: When E&O Insurance Can Work for You

Claims Scenarios go a step further to provide the outcome of the claim and provide helpful risk management tips. These stories from the real estate trenches illustrate how errors and omissions insurance can protect a real estate professional who might be "caught in the crossfire."

Read the Claims Scenarios here

About the Program Insurer

CNA (Continental Casualty)

Serving businesses and professionals since 1897, CNA is the country's eighth largest commercial insurance writer and the 14th largest property and casualty company. CNA's insurance products include commercial lines, specialty lines, surety, marine and other property and casualty coverages. CNA's services include risk management, information services, underwriting, risk control and claims administration. For more information, please visit CNA at "CNA" is a registered trademark of CNA Financial Corporation. Certain CNA Financial Corporation subsidiaries use the "CNA" trademark in connection with insurance underwriting and claims activities.