Protect Your Real Estate Business Before a Cyberattack Costs You Everything
Cyber Insurance Group builds cyber liability coverage around the real risks real estate businesses face, not a generic policy. Licensed in 28 states, backed by 12+ A-rated carriers.
Compare your business across 12+ A-rated carriers in about 4 minutes, free and with no obligation. Your submission goes to a licensed agent who works cyber liability every day.
Technology Moved Faster Than Your Coverage Did
Most real estate businesses we talk to haven’t thought about cyber risk until something already went wrong, or almost did.
You store customer data (names, payment info, maybe health records) and you’re not sure what your real exposure is if it’s breached.
You accept online payments or run point-of-sale systems, but have never confirmed whether a payment compromise is actually covered.
You’ve never been walked through what a ransomware attack would actually cost you in downtime, recovery, and lost business.
Your current policy, if you have one, was written before remote logins, cloud tools, and phishing emails became part of daily business.
We shop your coverage with A-rated carriers like
A Known Date, a Large Sum, and Now a Federal Reporting Duty
Real estate transactions announce themselves. The closing date is known to everyone involved, the amount is large, and the instructions for moving the money travel by email between parties who have often never met. That combination is why property transactions attract business email compromise more reliably than almost any other commercial activity, and why the loss is usually a consumer’s entire down payment rather than a corporate line item.
The data side has also grown. Reports of residential real property transfers are now required to be made by persons involved in real estate closings and settlements under 31 CFR 1031.320, which means identifying information about the parties to certain transfers is being collected and reported by businesses that have never thought of themselves as holding regulated data.
Beyond the closing table, property managers and brokerages hold tenant and client files continuously rather than transactionally: applications with Social Security numbers and income documentation, rent payment details, maintenance access to occupied homes. There is no single federal cybersecurity regulator for any of it, so obligations come from state breach law, state trust-accounting rules where client money is held, and increasingly from the institutions these businesses transact with.
Our Comprehensive List of Cyber Coverage Operations
Don’t leave your organization’s security to chance. Explore our comprehensive list of coverage operations.
First-Party Coverage
If your systems go down or your data is stolen, this pays to get you back up and running, covering data recovery, lost income during downtime, and extortion demands, not just the IT bill.
See What’s CoveredThird-Party Coverage
If someone sues you because their data was exposed through your business, this covers your legal defense, regulatory fines, and settlement costs instead of coming out of your own pocket.
See What’s CoveredAdditional Coverages
Round out your policy with crisis PR support, breach-prep services, and employee security training, the pieces that keep a bad day from becoming a bad year.
See What’s CoveredThe Cyber Insurance Group Match
Our named process for finding the right coverage for your real estate business, fast and without the guesswork.
Tell us about your business
We ask what data you handle, what systems you run, and where your actual exposure lives before we talk price.
We match you across carriers
We compare options across 12+ A-rated carriers and explain the differences in limits, exclusions, and deductibles.
You’re protected
Nothing is bound until you approve. Once covered, we track renewals and revisit coverage as your business grows.
The Rules That Reach Real Estate Businesses
A property transaction publishes its own date and amount, which is exactly what makes substituted payment instructions work.
What This Means for Your Business
Reports of residential real property transfers are required to be made by persons involved in real estate closings and settlements under 31 CFR 1031.320, which means identifying information about the parties to certain transfers is collected and reported by businesses that have not historically treated themselves as holding regulated data. Beyond that, obligations come from state breach notification law and, where client money is held, from state trust-accounting rules Source.
Real Licenses, Not a Marketing Claim
Cyber Insurance Group is a brand of The Allen Thomas Group, independent since 2003 and holding active insurance licenses in all 28 states we serve. No single insurer signs our paychecks. With 12+ A-rated carriers to choose from, our job is matching your business to the coverage that actually wants it.
Carriers we work with include Chubb, Travelers, The Hartford, Liberty Mutual, Nationwide, Progressive, Cincinnati Insurance, Auto-Owners, AmTrust, and Western Reserve Group. Not every carrier writes in every state.
See our full state-by-state license numbers, or meet the team behind the site.
Before You Decide
The objections we actually hear from business owners, answered straight.
Why is real estate such a common target for wire fraud?
Because the transaction advertises itself. The closing date is known, the amount is large, and payment instructions move by email among parties who are often meeting for the first time. An attacker reading that thread knows exactly when a substituted instruction will look normal, and the person sending the money is frequently doing it once in their life.
Do property managers face a different risk from brokerages?
Yes, because the relationship is continuous rather than transactional. A property manager holds tenant applications with Social Security numbers and income documentation, processes rent on a schedule, and often controls physical access to occupied homes. A brokerage’s exposure concentrates around the transaction; a property manager’s never ends.
What does the FinCEN residential real property reporting rule mean for us?
It means more regulated data in businesses that did not previously see themselves as holding any. Reports of residential real property transfers are required from persons involved in real estate closings and settlements, which involves collecting and reporting identifying information about the parties. Whatever you now collect, you now have to protect.
Is earnest money in our trust account an exposure?
It is one of the sharpest ones. Where a brokerage holds client funds, state trust-accounting rules govern how they are kept, and a payment redirected out of that account is simultaneously a client loss, an insurance claim and a licensing problem. Our closing practice page covers the settlement side of the same transaction.
Does our errors and omissions policy cover a diverted closing wire?
Frequently not, or not fully. Real estate errors and omissions responds to claims about professional services. A payment made on fraudulent instruction is usually answered, if at all, by funds transfer fraud or social engineering cover, and those are commonly sublimited well below the size of a down payment.
What does cyber liability insurance not cover in real estate?
It does not guarantee recovery of money already wired, and the first hours matter more than the policy does. It does not answer a disclosure dispute, a commission disagreement or a property condition claim. It covers the incident, the client notification, the liability and the interruption.
Ready to See What You’d Pay?
Independent agents, 12+ A-rated carriers, and a licensed cyber liability specialist reviewing your submission.
No cost to get a quote. Nothing is bound until you approve.
What Are You Holding for Somebody Else?
Real estate businesses rarely own what they are responsible for. The exposure follows the custody: a key, a file, a reserve account, or a federal filing.
Community Associations
You hold reserve funds for dozens of associations, and the volunteers who approve moving them are replaced every single year.
See Management CoverageProperty Management
You store the codes to homes people are asleep in tonight, and files on applicants you turned down years ago.
See Property Management CoverageBrokerages
You answer for client data living on computers you have never seen, owned by contractors rather than employees.
See Brokerage CoverageTitle & Escrow
A federal cascade skips the bank and lands the filing duty on you, then excuses you from building a program to carry it.
See Title & Escrow Coverage