New name! Victor O. Schinnerer & Company is now Victor Insurance Managers Inc.

Victor Insurance Managers Inc

Who: Victor Insurance Managers Inc. is one of the largest and most experienced underwriting managers of specialty insurance programs in the world. Victor serves more than 46,000 policyholders in various specialty industries through independent insurance agents and brokers and offers errors & omissions insurance coverage to both REALTORS® and REALTOR®-firms.

What: Victor Insurance Managers Inc. and the National Association of REALTORS® have partnered under the REALTOR Benefits® Program to provide a first-class errors and omissions (E&O) insurance program to REALTOR® members.

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. Full details are available from Victor. 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.

A Message From Victor

Underwriting teams are equipped with necessary resources to continue business and minimize interruption and delay. Learn more about what Victor is doing in response to COVID-19.

Virtual Home Tours: Under Victor's Real Estate E&O program virtual home tours are eligible for coverage, enabling your clients to have the peace of mind they need to continue their business activities. Victor is here to help you and your clients through these uncertain times.

If you have any questions or need support, please contact

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

The program offers coverage for firms and individual agents.

  • The broker/firm policy covers the broker-owner, other brokers on staff, agents on staff, personal assistants, and employees and independent contractors who perform real estate services on behalf of the firm.
  • The individual agent policy is transferable, allowing an agent to maintain coverage when moving from firm to firm.

Coverage is also available for a broad range of other real estate specialties, including commercial/industrial agents, farm and land agents, property management, sales and management of owned property, appraisals, sale of property constructed or developed by a related entity, auctioneers, and escrow and closing agents.

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

How: In order to obtain a policy through Victor Insurance Managers Inc. you must first submit an application. Your insurance agent or broker will then respond with a quote for coverage. Now get a quote even faster when your insurance broker uses Victor’s new online quoting platform, V2Get started here.

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

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

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General Program Brochure

Learn more (PDF: 1.7 MB) about the E&O insurance solutions and member benefits available to REALTORS® and REALTOR®-firms from Victor Insurance Managers Inc. Included are details about claims and managing risk, information about the company, and information about how to get a quote.  

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 (PDF: 3.51 MB) about specialized coverage solutions for franchised firms.

War Stories: When E&O Insurance Can Work for You

War Stories are claims scenarios that 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 War Stories 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.

Victor Insurance Managers Inc. (fka Victor O. Schinnerer & Company, Inc.) recently filed in all U.S. jurisdictions to re-brand and change its name. This name change has become effective in almost all states while still pending in several states, which we expect will complete their approval processes shortly. In CA, dba Victor Insurance Services | CA Ins. Lic. # 0156109

Program availability and eligibility requirements may vary by partner program. See partner websites for details, terms and conditions.