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Accountants Garage Lawyers Personal Insurance Real Estate Accountants Garage Lawyers Personal Insurance Real EstateSearch Learn From Our Experts Hear from our insurance experts on topics relevant to your business. Home Show all All Accountants Garage Lawyers Personal Insurance Real Estate Ensure Your Firm’s Integrity: Disciplinary Proceedings Coverage for Lawyers Since, as a lawyer, clients rely on your expertise and ethical conduct, your professional reputation and integrity are paramount. But even the most diligent professionals may find themselves facing disciplinary… May 9, 2024 by Pearl Insurance 1 Navigating Real Estate as a Side Hustle For many individuals, real estate offers an enticing opportunity to pursue a side hustle while still maintaining a primary career or other obligations. Whether you’re looking to earn some extra… March 14, 2024 by Pearl Insurance 1 Which States Require Real Estate Professionals to Carry EO Insurance? While most states do not require real estate professionals to carry errors and omissions (EO) insurance, there are a select few that do. EO, or professional liability, insurance provides financial… January 30, 2024 by Pearl Insurance 1 Extending Protection: A Guide to Extended Reporting Periods As a lawyer, you understand how paramount professional liability insurance is in safeguarding your legal practice. It’s your armor against potential legal malpractice claims that may arise in the course… January 8, 2024 by Pearl Insurance 1 What Happens After I’m Already Insured? As a real estate professional, you understand the unique challenges and responsibilities that come with your career. Safeguarding your livelihood and assets is of the utmost importance. Errors and omissions… December 4, 2023 by Pearl Insurance 1 Step Rating and Your Premium Lawyers’ professional policies are written on a claims-made basis, and claims-made policies are step rated. This means that, if an attorney has no prior acts exposure, it can be expected… November 28, 2023 by Pearl Insurance 1 How Can Insurance Help Cover Diverse Real Estate Transactions? In the world of real estate, where transactions vary, the role of a real estate professional is nothing short of multifaceted. Whether you’re working with residential properties, commercial spaces, agent-owned… September 28, 2023 by Pearl Insurance 1 How Does My EO Policy Grow as My Business Expands? We know that price is a large, if not the largest, factor in purchasing EO insurance, so we want you to have at least a rough idea of the type… September 8, 2023 by Pearl Insurance 1 What Questions Should I Ask When Shopping for EO Insurance? Deciding where to insure your firm can be overwhelming. You want to make sure your business is fully protected, but sometimes it’s hard to even know where to start. Of… April 19, 2023 by Pearl Insurance 6 How Much Does ErrorsOmissions (EO) Insurance Cost? We know that price is a large, if not the largest, factor in purchasing EO insurance, so we want you to have at least a rough idea of the type… April 18, 2023 by Pearl Insurance 2 What Insurance Coverage Do I Need When Starting My Own Real Estate Firm? Are you a real estate professional who is thinking about creating or beginning to start your own real estate firm? If so, what an exciting journey you’re about to take!… April 17, 2023 by Pearl Insurance 1 Why is Cyber Insurance Essential to My Business? The real estate market is a prime target for cybercriminals. With the US real estate market being worth approximately $226.8 billion in 2022, hacking into databases and stealing information about… April 16, 2023 by Pearl Insurance 2 What Does My EO Policy Cover? Managing the risk exposure for your firm through insurance is vital to avoiding or mitigating risk and effectively dealing with problems if they do occur. But between all the insurance… April 15, 2023 by Pearl Insurance 1 A Sign of the Times: The Effects of COVID-19 and Inflation on Real Estate A lot has changed over the past two and a half years, and real estate is no exception. Even though business was still booming during the height of the pandemic,… November 1, 2022 by Pearl Insurance 0 Reducing Your Risk Being a real estate professional comes with its fair share of risk. If you give what your client considers misleading advice, you could have a claim filed against you. A… October 4, 2022 by Pearl Insurance 0 Growing Business Leads to Growing Premium Most real estate professionals have seen an increase in their revenue over the past year due to the effects of COVID-19 and inflation (read about these in our other blog… September 3, 2022 by Pearl Insurance 0 Think Your Business Is Too Small to Get Hacked? Think Again. If you’re thinking cybercriminals aren’t interested in small businesses like yours, you’re unfortunately wrong. Over 50% of small businesses experienced at least one cyberattack in 2019. And according to recent… August 23, 2021 by Pearl Insurance 4 Protecting Your Personal Property: What You Should Know You’ve probably heard the stories of the wedding ring left in the hotel room after the family vacation, lost in the ocean during the honeymoon, or even falling down the… July 28, 2021 by Pearl Insurance 6 Ransomware: What Business Owners Should Know Cyberattacks are grabbing headlines and keeping many business owners up at night wondering if they will be next. The reality is that since the world went into COVID-19 lockdown and… July 9, 2021 by Pearl Insurance 4 Lower Your Workers’ Compensation Premiums With Smart Risk Management Practices If you are a business owner with employees, then you are familiar with workers' compensation insurance. Even if you are a sole proprietor, you may carry a policy to protect… June 4, 2021 by Pearl Insurance 2 Don’t Leave the Dock Without It The temperatures are warming and the water looks inviting! Spring is in the air, and boats are everywhere. If you’re considering buying a boat, or putting a boat on the… April 30, 2021 by Pearl Insurance 27 Avoid Risk by Avoiding Promises: An EO Best Practice A real estate agent marketed a commercial property that included street-level retail and residential units on the upper two floors. The residential units were producing a steady stream of revenue,… March 3, 2021 by Pearl Insurance 2 The High Cost of Low Coverage Money is tight for many of us with limited relief coming anytime soon. The thought of saving a bit wherever you can is very tempting—but choose wisely. When you consider… February 5, 2021 by Pearl Insurance 3 Don’t Skip a Rung in Ladder Safety If you're like many other homeowners, you probably have a DIY project in some stage of construction in your backyard, basement, or even attic. Or perhaps you're one of the… January 27, 2021 by Pearl Insurance 4 Insurance 101 for Small Business Owners Operating a small business in the current climate is incredibly challenging. For some, it has sadly been impossible. For many, staying afloat has meant pivoting to other lines of business… January 8, 2021 by Pearl Insurance 2 Top Five Winter Safety Tips for Your Car Your personal vehicle is likely well-prepared for the clear roads and blue skies of summer, but it might not be ready to tackle winter's heavy snowfalls, icy streets, and decreased… December 23, 2020 by Pearl Insurance 6 Business Owners Should Take a Few Extra Precautions During the Colder Months Every season comes with its own risks, and winter is no different. The common elements of cold, snow, and ice may hit some areas of the country harder than others,… December 4, 2020 by Pearl Insurance 2 Protect Your Home from These Holiday Hazards The holiday season is officially upon us, and unfortunately, many of our seasonal traditions present a special set of risks for homeowners each year. As you gear up for the… November 25, 2020 by Pearl Insurance 2 Change of Season Brings New Claims Risks With daylight savings time and cooler temperatures marking...