08/10/2026
🚨 **SOUTH CAROLINA REALTORS:**
Before you buy General Liability insurance…
**Read this first.**
Here are **5 truths nobody tells you before buying General Liability insurance as a Realtor:**
**1️⃣ General Liability and E&O are NOT the same thing.**
GL can protect you from things like bodily injury and property damage.
E&O is designed for claims tied to your professional services.
You may need **both.**
**2️⃣ The cheapest policy can become the most expensive policy you ever buy.**
Saving $200 today means nothing if the claim you have tomorrow isn’t covered.
**Price matters. Coverage matters more.**
**3️⃣ Your business activities matter.**
Property management?
Open houses?
Employees?
Independent contractors?
Your insurance needs to match what you **actually do**, not just the words “real estate agent.”
**4️⃣ A certificate of insurance doesn’t tell the whole story.**
Having a COI doesn’t automatically mean you’re properly protected.
The exclusions, limits, and endorsements are where the real story is.
**5️⃣ Don’t wait for a claim to understand your policy.**
The worst time to discover a coverage gap is **after something happens.**
Ask questions before you buy.
Understand what’s covered.
Understand what’s excluded.
And make sure your insurance grows with your business.
**South Carolina Realtors: protect the business you worked so hard to build.**
If you’re not sure whether your current coverage actually fits your business, send me a message.
