不尽的保险, a 德州2021十大正规彩票app经纪人® errors and omissions risk management partner, recommends that your brokerage’s policy cover the following: 

Non-Owned汽车

This covers liability for employees driving their own vehicles while performing work. 大多数独立承包商, 像水管工, can’t create liability for you if they’re in an accident. However, independent contractors that are under your supervision (i.e., agents and 经纪人) can drag your firm into a lawsuit—especially if they’re driving clients to showings. 所以这很重要, even if you require them to add the firm as an Additional Insured on their personal auto policy.

Property Away From the Premises

Most policies provide limited or no coverage for property away from the listed locations. You’ll want to be sure you have coverage when you and your agents are on the road, as you likely take your laptop and other property with you to visit clients and perform other duties. You should also be sure to provide all of your firm’s addresses to assure all will have on-premises property and liability coverage.

开放日及参观

When you host an open house, you take temporary care, custody, and control of the premises. That makes you legally responsible for damage and injuries that occur. 许多E&O, general liability, and business owners policies have an option to cover open houses. In addition, some policies may have a Contingent Liability option to open houses and showings. Showings are more frequent causes of litigation, because you have less knowledge and control of the premises but are still responsible for the safety of your clients.

富达/犯罪债券

It’s good to trust your employees but even better to have insurance in case you’re wrong. Bonds cover you if your employees steal client money.

Get more information about these and other insurance options by contacting 不尽的保险.