Errors & Omissions (E&O) insurance in Georgia protects professionals like real estate agents and notaries from lawsuits over mistakes, negligence, or missed deadlines. Costs average $67/month. It covers legal fees, settlements, and more, key to keeping your business compliant and protected.
If you’re a real estate agent, notary, or any licensed professional working in Georgia, you’ve probably heard about Errors and Omissions (E&O) insurance, sometimes called professional liability insurance. So what is it, really?
E&O insurance is a practical safety net that covers you when a client claims you made a mistake, gave poor advice, or missed a deadline that costs them money. For many, it’s the one thing standing between staying in business and paying massive legal fees out of pocket.
At Realty Hub, we believe protecting your hard-earned commission shouldn’t come with hidden fees or fine print. That’s why every agent with us automatically has E&O coverage built into our flat-fee structure, no extra franchise add-ons, no surprise costs, and no hoops to jump through.
Our agents keep 100% of their commission while knowing they’re protected if a claim shows up out of nowhere.
If you want to get the full breakdown, what it covers, what it doesn’t, how much it costs, and a few myths and pitfalls we help you avoid, stick around. We’re pulling back the curtain on everything you need to know to run your business with more confidence in Georgia.
What Is Errors and Omissions Insurance?
Errors and Omissions insurance, often just called E&O, is professional liability coverage that protects you if a client claims you made a mistake, left something out, or didn’t deliver what you promised.
Even if you did everything right, you could still face an “unfounded lawsuit” that costs you thousands to defend.
In Georgia, E&O is not legally mandated for most professionals, but many clients, local boards, or contracts require proof of coverage to work together.
Unlike general liability insurance, which protects you if someone slips and falls at your office, E&O specifically covers financial loss caused by your professional advice or actions.
Here’s how it works in plain terms:
- Covers: Negligence, errors, oversights, missed deadlines, or bad advice.
- Doesn’t Cover: Intentional fraud, criminal acts, or bodily injuries.
- Who needs it? Real estate agents, notaries, accountants, insurance brokers, architects, and tech professionals, just about anyone giving paid advice or services.
At Realty Hub, every agent has E&O automatically included in our flat-fee plan, so you never have to stress about shopping around for policies or hidden costs popping up at closing.
What Does E&O Insurance Cover in Georgia?
The reality is mistakes happen, even to seasoned pros. That’s why E&O insurance covers:
- Professional mistakes, like incorrect paperwork, contract errors, or data entry slip-ups that lead to financial loss.
- Missed deadlines, when a deal falls through because a key step didn’t happen on time.
- Bad advice, if a client follows your recommendation and claims it cost them money.
- Administrative oversights, common for real estate pros managing multiple transactions at once.
Notaries face a unique risk: they can be sued if someone forges a signature or misuses a seal. E&O covers that too, which is why notary E&O policies are so common in Georgia and can cost as little as $2 a month.
Many notary E&O policies don’t even require a deductible.
Realty Hub goes a step further. We make sure our agents understand what’s covered, and what’s not. For example, we clarify upfront that our E&O won’t protect you from disciplinary actions by your licensing board, intentional fraud, or slip-and-fall claims. We help you avoid fine print traps so you don’t face surprise denials.
Who Needs E&O Insurance in Georgia?
If you give professional advice or handle client documents, you’re exposed to claims, simple as that. Here’s who we see needing it most:
- Real estate agents: Buyers and sellers have high expectations. One missed deadline or overlooked clause can lead to expensive disputes. Our agents stay protected without hidden fees that eat away at their commission.
- Notaries: Even a minor notarial error can escalate. E&O protects you if you’re dragged into a lawsuit, even when you did nothing wrong.
- Attorneys and healthcare providers: E&O for them is better known as malpractice insurance, and they must meet unique state standards.
- Small businesses and consultants: If you create plans, give advice, or manage data, think marketing consultants, architects, or tech pros, a simple oversight could lead to costly claims.
And if you’re with Realty Hub, you’re already a step ahead. We include E&O coverage automatically, whether you’re closing deals full-time, doing personal transactions, or simply “parking” your license to keep it active with less overhead.
Plus, our policy is portable across Georgia, Florida, and Alabama, because your business shouldn’t stop at the state line.
Ready to keep reading? Up next, we’ll break down what E&O does not cover, so you know exactly where you’re protected and where you’re not.
What Does E&O Not Cover?
E&O insurance is powerful, but it’s not a blanket fix for every problem that could land you in court. Knowing what’s not covered can save you major headaches down the line.
Here’s what you won’t find under a typical E&O policy in Georgia:
- Intentional fraud or criminal acts, If you knowingly commit fraud or break the law, your insurer won’t foot the bill.
- Defamation or discrimination claims, These are handled separately under different types of liability coverage.
- Work under unlisted business names, If you perform services under a DBA or side brand that isn’t listed on your policy, a claim could be denied. Realty Hub makes sure our agents know how their work needs to be recorded to stay covered.
- General liability issues, Slip-and-fall injuries or property damage are general liability risks, not E&O. Our onboarding clarifies this, so you’re never left guessing.
Too many agents learn these lessons the hard way, we make sure you don’t.
How Much Does E&O Insurance Cost in Georgia?
The cost of E&O coverage in Georgia depends on your industry, claims history, and how much coverage you choose. Here’s a quick look:
- Real estate agents: Average ~$67/month for small businesses. With Realty Hub, your E&O is built into our simple $100/year plus $100/closing model, so there’s no monthly surprise invoice.
- Notaries: Basic E&O policies can cost as little as $2/month, typically with no deductible.
- Consultants or tech pros: Expect to pay more if your advice involves data security or large contracts.
Factors that bump up your premium:
- Past claims, multiple lawsuits on record can raise your cost. We help agents reduce errors upfront to prevent repeat claims.
- Higher coverage limits, more coverage means more peace of mind but a higher premium.
- Business location and local ordinances, some Georgia cities require proof of E&O for licensing.
At Realty Hub, our agents pay no hidden E&O fees, no franchise add-ons, and no unexpected deductions from their commission. You know exactly what you’ll pay, and what you’ll keep.
5 Worries About E&O Insurance, And How to Fix Them
- Fear of being sued even if you did nothing wrong, That’s what E&O is for: it covers defense costs for groundless claims.
- Worried a claim could bankrupt your business?, Make sure you have enough coverage. Realty Hub’s flat-fee structure helps you keep more commission to put toward proper protection if you want higher limits.
- Confused about different DBAs or multiple licenses?, We break it down during onboarding so you don’t get hit with a denial because of paperwork you missed.
- Worried about fine print?, We’re upfront about what’s covered, and what isn’t, so you don’t find out the hard way.
- Stressed about surprise deductibles?, Our E&O includes clear terms: we cover the premium, you only pay a deductible if a claim arises, no surprise add-ons.
Tips for Choosing the Right E&O Policy
Picking an E&O policy shouldn’t feel like decoding legal jargon. Here’s what we guide our agents to look for, and you can, too:
- Check how much coverage you really need. Lawsuits can run into six figures. Make sure your limit fits the real cost of defending a claim.
- Confirm your named entities. If you operate under different business names or DBAs, they need to be listed on your policy to avoid surprise denials.
- Keep your records clean. Clear documentation can stop a claim before it starts, especially around deadlines, client communication, and signatures.
- Plan ahead for growth. If your deals get bigger or more complex, revisit your limits and options. And always know if you’ll need tail coverage when you leave a brokerage or retire.
At Realty Hub, we walk new agents through this step-by-step so you’re never left to interpret fine print alone.
How Realty Hub’s E&O Makes Life Easier for Georgia Agents
Most agents don’t want to think about insurance, they just want to know they’re protected. That’s why our E&O isn’t an upsell or a hidden line on your closing statement. It’s built in:
- Automatic coverage. Every Realty Hub agent gets E&O protection through our flat-fee model. No separate paperwork, no surprise add-ons at tax time.
- No franchise or hidden fees. We cover the E&O premium upfront, you only handle the deductible if there’s ever a claim.
- Multi-state coverage. Our E&O applies across Georgia, Florida, and Alabama, perfect if you’re licensed in more than one state or want to keep your options open.
- Instant proof when you need it. Clients and municipalities can ask for certificates at the last minute, we make it simple to pull what you need, 24/7.
We also clear up the biggest myths: you don’t need to limit your business to “referral only” status to be covered, and you’re free to do your own deals. More freedom, less hassle.
Protect Your Business Without Overpaying
At the end of the day, Errors and Omissions insurance is about confidence. One claim can drain your savings or stall your career, but the right coverage makes it a speed bump, not a roadblock.
Our flat-fee structure means Realty Hub agents keep 100% of their commission without sacrificing the protection that keeps them in business when surprises happen. There’s no nickel-and-diming, no forced franchise costs, and no being left in the dark about what’s covered.
Run lean, run free, and run knowing your hard work is backed by the right protection.
Why Realty Hub Is the Smart Move for Agents Who Want More
Most agents don’t want to get buried in policy paperwork. They want clarity, protection, and a fair deal that doesn’t chip away at every commission check. That’s what we built Realty Hub for:
- You keep 100% of your commission.
- E&O coverage is automatic, no separate setup, no hidden fees.
- Our model works for full-time agents, part-timers, and those parking a license for future deals.
Ready to stop splitting your commission just to stay protected? Learn more about joining Realty Hub today.
