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E&O and Other Insurance Products for

the Real Estate Appraisal Industry

The Appraisers Liability Insurance Trust

AMC coverage

Fully insured with a Liberty Mutual company

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E&O Insurance Programs

LIA is the strongest name in providing quality Errors and Omissions Insurance. Since 1977 we have been known for our stability, reliability and integrity.

LIA is top rated in the industry for a reason:

  • Unrivaled customer service
  • The quality of our insurance coverage is unmistakable
  • On staff & in house legal team
  • Advocates and educators for the appraisal industry
  • LIA is truly in your corner when you need us the most

Appraiser E&O Insurance

Quality should never be optional

Instinctively we all know that we get what we pay for, and when it comes to appraiser E&O insurance, no one wants to be stuck with unreliable coverage. Discount policies, which are becoming more popular these days, exclude coverage for the majority of claims that appraisers are now experiencing. Careful consideration of the current climate in the appraisal industry is more important than ever when shopping for E&O coverage for your business.

A discount policy may satisfy your lender's insurance requirements, but does it satisfy yours?

Many of us have seen the recent marketing efforts floating around offering cheap, no-frills E&O policies. These ads will often justify these "no-frills" policies with statements such as, "This program was designed to meet your lender's requirements" or "lenders do not require prior acts coverage." This type of discount premium advocates a low cost in exchange for minimal real world protection  

Having insurance through LIA proves its worth time and time again.

We encourage you to line up our E&O policy against any of these "no-frills" E&O providers to see the real difference. It has always been in our best interest to look after our appraiser clientele, impress them with our customer service and help move the protection of our industry forward. LIA offers uncompromising quality with conservative pricing.

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Apply now and let us surprise you!

E&O Insurance Programs

The Appraisers Liability Insurance Trust (ALIT) Program is underwritten by one of two Liberty Mutual Group of Companies - Liberty Insurance Underwriters, Inc. and Liberty Surplus Insurance Corporation. Liberty Mutual Group is A.M. Best rated "A" (Excellent) Class XV, with assets greater than 2 Billion.

Residential Program

  • $300,000 limit of liability
  • Residential appraisals only
  • Available to individuals and firms of 1-4 appraisers
  • Two years appraisal experience required
  • Apply Now

Standard Program

  • $500,000 and $1,000,000 limits of liability available
  • Higher limits of liability available on request
  • Covers residential and commercial appraisals
  • Three years appraisal experience required
  • Extended coverage for proposed residential developments may be obtained by appraisers with the necessary education and experience requirements
  • Apply Now

Apply Now!

Apply now and let us surprise you!

Advantages of using LIA

Program Benefits

  • You pay no deductible on defense costs and attorneys
  • Prior acts coverage for qualified applicants
  • Optional $100,000 defense coverage for pollution claims
  • Pre-claim assistance
  • $2,500 attorney's fees for disciplinary proceedings
  • $2,500 reimbursement of expenses including up to $250 per day loss of earnings due to claim-related obligations
  • Deductible credits for early resolution and/or successful mediation of claims
  • $50,000 defense coverage for discrimination (Fair Housing) claims
  • Insured's consent for settlement
  • Optional real estate sales & property management endorsement - available at competitive premiums
  • No membership fees
  • Loss prevention information and Claim Alert publications
  • Premium financing at a low APR with payments spread over 9 months
  • Major credit cards accepted, MasterCard, Visa, American Express & Discover
  • Other payment options may be available

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Working for you every day

Errors & Omissions Insurance is highly-specialized coverage, which is why it's so important to work with a program administrator who has experience & knowledge in this specific area. Our underwriting & sales staff have over 125 years combined experience with LIA, working exclusively with appraisers' E&O insurance.

Since 1977, more than 25 insurance companies have entered & left the appraisal E&O market. With over three decades and counting in the E&O industry, LIA has a proven track record with the appraisal community. We provide stable programs that our clients have counted on year after year - which is reassuring when you consider the current volatility in the real estate & financial markets. In the event of a claim, our national claims counsel will fight vigorously on your behalf. We are known throughout the industry as the recognized leader when it comes to effectively defending real estate appraisers.

There are reasons for our well earned reputation.

If you are looking for professional liability coverage for your appraisal business, we invite you to apply now and discover why we are the strongest name in quality Errors and Omissions Insurance.

Apply Now!

Apply now and let us surprise you!

Our Customers About Us

"For 20 years I have not liked paying for E&O Insurance, because I never used it. Now, it has all paid off in the form of your opinion which will keep me out of trouble for the next 20 years. I will continue to recommend LIA as the only provider for professional appraisal E&O Insurance."
- Appraiser, Charlotte, NC

"How very pleasant to deal with someone who is so efficient, quick, and polite, in an era where those elements are often missing in any business transaction."
- Appraiser, West Lafayette, IN

"Thank you very much for your help. It has been a pleasure working with your company, compared to the other E&O carriers I have had in the past."
- Appraiser, Cochran, GA

"Thank You Very Much, this is the kind of response and extra effort that makes your company such a standout!! Thanks Again."
- Appraiser, Hauppauge, NY

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