Policy Forms

Policies are based on state approval. Please contact Schinnerer at 888-429-6638 or vos.realestate@Schinnerer.com to see which policy is available in your state.

Real Estate E&O policy forms provide professional liability coverage for firms specializing in residential sales with revenues of under $20M; and all other firms with revenues under $2.5M. Please choose the correct policy form and appropriate endorsements from the list of states below.

• Policy form for most states, including: AK, AL, AR, AZ, CT, DC, DE, GA, FL, HI, IL, IN, KS, MD, MA, ME, MI, MN, MO, MT, NC, NV, NH, NJ, NM, OH, OK, OR, PA, SC, TX, UT, VT, VA, WA, WI, WV, WY.
  Also, see optional endorsements available in applicable states:
• Construction Development
• Discrimination Claims
• Environmental Hazards
• Residential Ownership
• Deductible Waiver
• Regulatory Exclusion
• Employment Practices - only available in AR, AZ, CT, GA, FL, IL, IN, KS, MD, MA, MI, MN, MO, MT, NC, NH, NJ, NV, OH, OR, SC, TX, VA, VT, WA and WI
• CO, IA, KY, MS, NE, ND, SD, TN policy form
  • Sample of optional endorsements available in applicable states
  • Authority Exclusion
• CA policy form and sample of optional endorsement
• ID, RI, Puerto Rico, Virgin Islands policy form and sample of optional endorsements available in applicable states 
• Policy form form for other states:
• Louisiana form and sample environmental hazards endorsement.
• New York form
• Sample of optional endorsements available in the state of NY
• Regulatory Exclusion (NY)

Open House, Mold and Network Risk endorsements currently available in AL, AZ, CT, DE, IN, IL, MI, MO, NJ, NM, OH, PA, SC, UT, WA and WV.

• Open House endorsement
• Mold endorsement
• Network Risk endorsement