Our Contacts

6353 El Cajon Blvd, Suite 124-605, San Diego, CA 92115

(888) 347-5273

Working Hours

5 a.m. - 5 p.m. PST
5 a.m. - 5 p.m. PST
5 a.m. - 5 p.m. PST
5 a.m. - 5 p.m. PST
5 a.m. - 5 p.m. PST

Real Estate Agent | Broker E&O Insurance

OREP is a leading provider of Errors & Omissions Insurance for Real Estate Agents and Brokers. Enjoy broad coverage and competitive rates on agent/broker insurance with same day coverage & confirmation (most cases).

Experience: 20+ Years Serving Real Estate Agents and Brokers.

Coverage and Rates: Carrier Rated “Excellent” by AM Best, Coverage Tailored Specifically for Real Estate Agents/Brokers.

Support: Unrivaled Professional Support.

Risk Management: Free Risk Management and Pre-Claims Assistance.

Low Rates: Premiums Begin at $350.

Service: Fully Staffed, Fully Automated: Apply Online in Minutes or call for live help- we answer the phone!

12,000+ Real Estate Professionals Trust OREP
800+ 5-Star Reviews
21 Years Serving Real Estate Professionals
Fast, Online Application

Coverage Highlights

Up to
$500,000 Discrimination Claim Coverage

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Just like fraud, discrimination is excluded by most insurance carriers.   OREP's primary Real Estate Agent/Broker E&O policy includes up to $500,000 of Discrimination Claim Coverage for no additional premium. (Ask your OREP Agent for details.)


Up to
$500,000 Mold

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Don't settle for a policy that excludes mold!  OREP's primary policy provides up to $500,000 of mold and fungi claim coverage.

Premises Coverage

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Bodily Injury & Property Damage Coverage (BIPD) protects appraisers for what E&O does not cover: accidental damage to property or bodily injury (BIPD) you may cause while providing professional services. BIPD coverage is not included with traditional E&O policies, but is now included at no extra charge with OREP's primary program. (Ask your OREP Agent for details.)

Open House

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OREP's primary policy provides Open House Coverage up to Full Policy Limits. 

Fast, Easy Application

What Clients Say

OREP Member Benefits

Working RE Magazine

OREP Members enjoy guaranteed delivery of award-winning Working RE magazine ($60 value)--the most widely read publication for real estate appraisers nationwide. This helps you stay informed on what is happening in this niche industry that plays a vital role in the real estate transaction process. 

Online Education

OREP Members enjoy a 20% discount on the Real Estate Agent/Broker Continuing Education through At Your Pace Online.  

Risk Management

OREP provides regular newsletters and online training webinars to its Members---keeping you up to date on the latest liability issues and giving you timely advice on how to stay out of trouble. 

Professional Support

OREP serves over 10,000 professionals across the United States and brings over 20 years of experience providing pre-claims assistance, risk management information, and online training to help savvy professionals avoid claims and protect their businesses when trouble knocks.

Fast, Easy Application

Learn More about OREP's Coverage, Experience and Benefits

Coverage Highlights

Real Estate Agent E&O Insurance Program Highlights
(Specific coverage details vary by program, please ask your OREP agent.)

  • Serving Agents and Brokers for over 20 years
  • Full Prior Acts Coverage for Qualified Applicants
  • Lockbox Coverage up to Full Policy Limits
  • Open House Coverage up to Full Policy Limits
  • Up to $500,000 of Fungi/Mold coverage
  • Up to $500,000 Discrimination/Fair Housing Coverage
  • $100,000 Bodily Injury/Property Damage Coverage
  • $35,000 Fraudulently Induced Fund Transfer Coverage
  • Regulatory Board Defense, Subpoena, Reputation Protection and Expense
  • Third Party Notification / Electronic Information Damages
  • Franchisor, Title Agent and Notary Coverage
  • Unlimited Retiree, Death or Disability Extended Reporting Period options
  • Low-Cost General Liability Available
  • Short Term Escrow Agents included in Who is Insured provision
  • Approved Continuing Education at a discount
  • Looking for Mortgage Brokering Coverage? Please click here.



Experience: OREP is a leading provider of Real Estate Agent and Broker E&O insurance nationwide, serving Real Estate Agents and Brokers for over 20 years.

Coverage: OREP offers broad, comprehensive E&O insurance coverage designed specifically for Real Estate Agents/Brokers, including fair housing discrimination, lockbox coverage, and much more. General Liability/Premises coverage is also available. See Program Highlights for coverage details.

Fast, Courteous Service: You know the value of service, and so do we. Now you can apply for coverage with a few quick clicks. And if you have a question, we’re fully staffed and here to help. Most Real Estate Agents and Brokers qualify for OREP’s self-rating application, which doesn’t require quoting. Choose your Limit/Premium and get back to work fast!

Support: OREP provides unrivaled professional support, including pre-claims assistance, risk management information and training, a Corporate Savings program with discounts on office supplies, cell phone bills, and much, much more! Working RE, published by OREP, is the most widely read publication for appraisers and home inspectors in the country. WRE provides you with valuable insights to help you understand valuation and inspection issues and how they impact your business. Get a leg up with WRE!


Member Benefits

Guaranteed Delivery of Working RE Home Inspector Magazine ($60 value)

OREP insureds receive a free subscription to Working RE Magazine, the largest circulation print magazine for home inspectors in the country, including over 250 premium content articles ($60 value).

“Working RE is one of the best sources of contemporary information available for real estate professionals. I look forward to receiving it and digest it from cover to cover. Most feel as I do, that your work does us a great service and is sincerely appreciated.” —Paul J. Carist, SRA


Corporate Savings (Save Over $500 Every Year)

Lower Prices from your Favorite Suppliers. Click here for a recent cost comparison of typical office supplies and the savings you can enjoy through this free. program. Save hundreds a year on office expenses with this free benefit  Click for details.

“YES! We are saving 19% on our Verizon bill and I order all of our office supplies through the discounted Staples portal—they provide overnight, FREE shipping, even on Sunday orders! Lastly, we are considering the Six Flags discount. So, yes, yes, and yes. We are taking advantage and truly enjoying your program. Great job!” —Cynthia T.


Discounts on Continuing Education

Real Estate Agents enjoy a discount on all coursework through At Your Own Pace Real Estate (by At Your Pace Online). Enjoy great savings on high quality, expert education. Email subscription@workingre.com for your registration code.

“I have been waiting 15 years for a class like this. Thanks again for a very informative class.”  —Scott G.



“Maria you guys are GREAT, so fast, so easy, so supportive…my first year I was with another outfit and my experience with you has been the exact opposite of what it was with them…Thank you so much.” —William Bentley, Bentley Property Inspections

“I switched my E&O insurance to OREP last month and saved $349 bucks.” —Dave M.

“With all that you offer, it was a no-brainer to sign up.” —Jim Nishimura

“I am so pleased with your service and thoroughness. Thank you very much for being so responsible with our money and our E&O insurance. Although I have never had a claim, my confidence level in this process has increased. It is no surprise that several appraisers recommended your company to me.” —Lore D.

I continue to renew with your company because of the exceptional service you provide. Every time I call my questions and needs get taken care of.” —Mariah M.

“Thank you for the webinars. I am learning so much that is helping me improve in my appraisal practice and increase the quality of my reports and workfile, thus reducing my exposure to lawsuits. The webinars and education are a great complement to your insurance business. I was an OREP customer in the past and because of the benefits I will be back at renewal time. I don’t know why I ever switched. Thanks for what you do.” —Bruce K.

“Thank you for your speedy responses, I have the best insurance agent in the world. I wish all of the places I do business with had employees like you. Would you call AT&T and train them on how to take care of customers? If they could just do half the job you do I would be more thank satisfied. THANK YOU MARIA!!!" —J. Roser