Commercial Insurance · Windsor-Essex
Real Estate Insurance
Ontario real estate brokerages and office operations face a layered insurance picture: registrants must participate in RECO's mandatory professional liability insurance program under the Trust in Real Estate Services Act, 2002, which includes errors and omissions, commission protection, and consumer deposit coverage on defined terms — separate from the brokerage's own commercial general liability, office property, and cyber exposures. Premium Insurance Brokers helps Windsor–Essex brokerages coordinate commercial lines for the office entity — premises liability, contents, and data — without replacing or administering RECO's registrant program. If you own rental properties or manage portfolios for others, those are different insurance conversations — see our Landlord Insurance and Property Management pages.
For Windsor–Essex real estate brokerages and office operations — reviewed through an independent broker who can coordinate commercial general liability, property, and cyber alongside RECO's registrant program.
What's covered
Coverage for a real estate brokerage office is organized around registrant professional protection through RECO's program, then the commercial policies that protect the office itself — premises, property, and client data.
Transaction errors and deposit disputes follow RECO's program rules: RECO's program includes errors and omissions coverage with a $2,000,000 limit per claim and $4,000,000 annual aggregate for the E&O component, plus separate commission protection and consumer deposit coverage on defined terms for the 2026–2027 policy period — each subject to program wording. Allegations such as missed APS clauses, form errors, or commission disputes are evaluated under that program, not a generic commercial E&O policy placed for the brokerage office. Registrants renew through RECO's process; commercial brokers help with the brokerage entity's separate GL, property, and cyber needs.
Transaction errors and deposit disputes follow RECO's program rules
RECO's program includes errors and omissions coverage with a $2,000,000 limit per claim and $4,000,000 annual aggregate for the E&O component, plus separate commission protection and consumer deposit coverage on defined terms for the 2026–2027 policy period — each subject to program wording. Allegations such as missed APS clauses, form errors, or commission disputes are evaluated under that program, not a generic commercial E&O policy placed for the brokerage office. Registrants renew through RECO's process; commercial brokers help with the brokerage entity's separate GL, property, and cyber needs.
Practical considerations
The Premium difference
Why a broker?
One relationship. Multiple markets. Coverage explained in plain language.
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Your operation
Your industry, locations, and how the business actually runs day to day.
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Multiple insurance markets
Independent access to commercial carriers — options compared side by side.
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Premium broker
Windsor-Essex guidance that translates policy wording into decisions.
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Right-fit coverage
Protection aligned to your operations — not generic off-the-shelf limits.
A lot to protect? Good thing we have options.
One policy is rarely the whole picture. Explore other commercial coverage from Premium.
Real estate insurance FAQ
Straight answers to common questions for this industry.
No. Real estate brokerage insurance for office operations addresses the brokerage entity's commercial general liability, office property, and cyber exposures — while Ontario registrants must separately participate in RECO's mandatory professional liability insurance program for defined transaction-related professional exposures. Landlord insurance protects owners of rental property — buildings, landlord liability, and sometimes rental income — and is a different customer need. If you own rental units, see our Landlord Insurance page; this page focuses on brokerage and office operations.
Ready when you are
Ready to cover your real estate work?
Tell us about your brokerage office, operations, and commercial certificate needs — we'll compare options that fit alongside RECO's registrant program.