Errors & Omissions (E&O) Insurance - Your Protection with Realty Hub
At Realty Hub, we provide every agent with comprehensive Errors & Omissions (E&O) coverage through a specialized insurance carrier. This protection is designed to give you peace of mind so you can focus on your clients and your business.
Coverage Highlights:
$1,000,000 per claim / $1,000,000 aggregate in coverage
Privacy & Security Coverage - included at the same limits, protecting against data and cyber-related risks
Supplemental Benefits:
Disciplinary proceedings coverage up to $25,000
Subpoena assistance up to $50,000
Crisis event expense coverage up to $25,000
Reputation protection expense coverage up to $25,000
Withheld client fee assistance up to $10,000
Important: $2,500 deductible per claim — paid by the agent.
How to Stay Protected
E&O is there if you need it — prevention is better:
Stay in your lane (real estate only): Don't offer opinions outside your role (legal, HVAC, plumbing, electrical, etc.).
Use Realty Hub's Comprehensive Disclosure Form with every client.
Document & comply: Keep clear records; follow Real Estate Commission rules and applicable Realtor Association guidelines.
These tips are for risk-prevention guidance and don't modify policy terms.
Talk to a Broker
We respond during business hours (Eastern Time). Most answers are in our FAQ and Join Process.
Read FAQ & Join Process
Most questions are answered here. Please review before contacting us.
Voicemail is monitored. We return calls during business hours (ET)
Thanks — a licensed broker will reply during business hours (ET). In the meantime, you can review the FAQs and Join Process.
Realty Hub — Digital Skills Fit Check
Realty Hub is a fully cloud-based brokerage. To succeed here, agents must be comfortable with essential digital skills like file management, e-signatures, and self-service support.
This short check (under 5 minutes) ensures that our systems will be a good fit for you. There are no trick questions — just everyday tasks you'll encounter as a Realty Hub agent.
Please enter your name.
Please enter a valid email address.
Which of the following is the correct way to attach a file to an email?
If your web pages are not loading correctly, what's a common troubleshooting step?
If you have a question about Realty Hub's procedures, what should you do first?
(At Realty Hub, we provide a Support Page with searchable step-by-step guides for all procedures.)
You're asked to upload a contract for a property at 123 Main Street. Which of the following is the most clear and professional file name to use?
You receive a fillable PDF with a blank field for “Buyer Name.” What's the correct way to complete it?*
Why does Realty Hub encourage agents to use the Support Page?*
If you forget your Realty Hub password, what is the correct action?*
If you need instructions on a Realty Hub process (e.g., commission payment, file upload), the fastest way to find the answer is:*
If you need a Realty Hub document such as our logo or W-9, or information such as the brokerage license number or HUD number, what's the best way to get it?*
Why does Realty Hub require agents to primarily communicate through email?*
We are committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards of WCAG 2.1 Level AA.
If you experience any difficulty using our websites, please contact our Accessibility Support Team:
We respond to accessibility-related feedback within 24 hours during business days and strive to provide reasonable accommodations to ensure access for all users.
FAQ
Realty Hub Frequently Asked Questions
Realty Hub operates in Florida, Georgia, and Alabama. This page answers questions that apply to all states.
For state - specific licensing rules or regulatory differences, visit:
Realty Hub charges a $100 annual fee and a $100 transaction fee per closed transaction. There are no monthly dues, franchise fees, desk fees, or surprise add-ons. The fee structure is simple and transparent so agents can keep more of what they earn.
Here is the Realty Hub fee schedule:
Fee
Description
$100
Annual Membership Fee
$100
Transaction Fee
$20
Sign Up Fee (one-time, assessed when you join Realty Hub)
$15
Incoming Wire Fee
$2,500
Penalty if Realty Hub Comprehensive Disclosure is not signed by the Realty Hub client.
$2,500
Errors & Omission insurance deductible to be paid by the agent for any legal disputes or legal claims arising from agent's actions.
No. Realty Hub does not charge hidden fees of any kind. There are no desk fees, franchise fees, technology fees, compliance fees, or miscellaneous add-ons beyond the clearly stated annual and transaction fees.
No. Realty Hub does not charge buyers or sellers additional brokerage fees. Agents negotiate their commission directly with principals or other agents.
No. Realty Hub does not set minimum or maximum commission amounts. Agents are free to negotiate commissions with their clients in accordance with state law and ethical standards.
Agents keep 100% of their commission, minus the $100 transaction fee per closed transaction. There are no commission splits and no caps to reach.
Realty Hub does not charge the agent or client a separate E&O fee. Agents who join are covered under our policy. We have a $1 million aggregate per year policy covering all legally allowable real estate activities performed by our agents for a commission/fee.
Agents who are responsible for any legal claims or legal disputes will be liable to pay the E&O Insurance deductible of $2,500 per incident.
No. Realty Hub does not hold escrow. Earnest money and escrow funds are handled by the title company or closing attorney.
Realtor Association & MLS
No. Joining a Realtor Association is not required to affiliate with Realty Hub.
MLS access is obtained by joining a local Realtor Association and applying directly with the MLS provider. Please contact a Realtor Association for more details.
Yes. Agents may join multiple Realtor Associations if they choose, subject to each association's rules and fee requirements. Generally, agents can only join a Realtor Association that the broker is already a member of.
Agents can only join a Realtor Association that the broker is already a member of. Here is a list of our Realtor memberships.
Brokerage Model & Support
Yes. Realty Hub operates as a cloud - based brokerage. Agents can work remotely without being tied to a physical office location.
No. Realty Hub does not provide leads. Agents are responsible for generating their own business. Realty Hub is associated with Opcity / Realty Connect. Agents interested in Opcity / Realty Connect leads should contact these platforms directly.
Realty Hub does not require mandatory training or meetings. Agents are expected to operate independently, though brokerage support is available when needed.
Realty Hub provides broker oversight, transaction compliance review, and administrative support related to brokerage requirements. Agents remain responsible for managing their own clients and business activities.
Realty Hub operates primarily as a virtual brokerage. Physical office access is not required for affiliation.
No. Agents are not required to live near the broker or corporate office. Realty Hub supports agents throughout its licensed states.
Yes. Agents are not required to complete a minimum number of transactions to remain affiliated.
No. Realty Hub does not require mandatory sales meetings.
Yes. Agents may affiliate and maintain their license without active production requirements.
Special Situations
Yes. Agents may conduct personal transactions in accordance with state law and brokerage policy. We provide step by step compliance instructions.
No.
While you are licensed with Realty Hub, you may not originate, process, or broker loans on any Realty Hub transaction. This includes listings, sales, leases, referrals, or personal transactions handled under Realty Hub. The reason is simple: to avoid conflicts of interest and ensure compliance with federal and state regulations (such as RESPA).
You're free to maintain your mortgage license separately, but it cannot be used in connection with Realty Hub transactions while you are affiliated with us as a real estate agent.
Realty Hub does not mandate any rules about team structure, branding, or operations. It is recommended that teams have their own internal agreements about structure, branding, and inter - team operations. With respect to payment of real estate commissions, all of paperwork, including Commission Disbursement Forms, can accommodate multiple payees. Our policies and procedures are applicable to both teams and individual agents.
No. Realty Hub does not impose territorial restrictions or non-compete clauses on its agents.
Yes. Open listings are permitted in accordance with state law and brokerage policy.
If you need signs, you can get them here. Promo Code: 50REALTYHUBFS (up to 50% off).
Additionally, we give Realty Hub agents access to our logo so that they can design their own business cards and signs.
None. We have developed our own Support Page for agents to log into once they join. From the Support Page, agents can access forms, upload transaction documents, add text to pdf documents and initiate legally binding e-signatures. Agents will also find answers to frequently asked questions.
Contracts and legal documents have been approved with the Realtor association. Realty Hub provides these forms to ALL of our agents to use.
Joining Realty Hub
To join, click “Join Now” and complete the online application and submit required documentation. The brokerage will review your application and guide you through license transfer steps if needed.
After completion of the application and payment of the membership fee, you will be active within 1 business day (24 hours). We perform agent activations from Monday through Friday. For example, an application sent on Friday at 1pm will be processed and responded to by Monday 1pm.
The broker operates within the states where Realty Hub is licensed. Physical proximity to the broker is not required due to the cloud - based structure. The broker's physical location is not public information.
Still Have Questions?
Our team is here to help. Get in touch and we'll answer any questions you have about joining Realty Hub.