德州2021十大正规彩票app经纪人®有五个E&O risk management partners that share information with the association and provide useful risk-management tools to members. These partners have been monitoring concerns brought about by COVID-19. Here are some issues REALTORS® should consider:

疾病传播

Clients or others may accuse real estate agents of infecting them with COVID-19 or creating conditions that caused them to be infected. Though these assertions may be difficult to prove, an agent may find himself having to defend such an allegation. 通常, a bodily injury claim would be covered by a company’s general liability insurance—not errors and omissions. 然而，一些E。&O carriers offer bodily injury endorsements that could cover the claim. An endorsement such as this could require the policy holder to first submit the claim to the general liability carrier and get denied.

业务中断

Business interruption does not fall within the parameters of E&O政策. Brokers and agents would need to look at their general liability policies or other insurance coverage.

公平房屋申索

There may be increased exposure to claims of 公平住房 violations due to agents choosing not to work with certain clients. Though agents can ask prospects and clients if they have recently traveled to certain areas known as COVID-19 hot spots or whether they have symptoms or a diagnosis of COVID-19, agents should take care to ask screening questions of all individuals to avoid 公平住房 issues.
Finally, real estate 经纪人 and agents should review their E&O and other types of business insurance policies before facing a lawsuit or adverse event that could be mitigated with the proper coverage.

The 德州2021十大正规彩票app经纪人® risk management E&O partners are Mondics Insurance Group, 优先监护人保险, 珍珠保险, CRES保险服务, and Great American Insurance Group. 在法律网站了解更多信息 & 道德组 ngskmc-eis.net.