Pearl is a fine company. Pearl was founded in 1954 by Jack Pearl. Jack and his son Gary are real innovators and created some of the very first insurance programs for professionals. They developed the group rate programs that are supported today. E and O insurance is something that every real estate agent must have. This is a fine company that knows something about that. Here's a page from the Pearl site that I would encourage you to spend some time reviewing http://pearlinsurance.com/Professions/Real-Estate-Professionals/Real-Estate-Errors-and-Omissions-Insurance