> ## Documentation Index
> Fetch the complete documentation index at: https://docs.generalreferral.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Is E&O Insurance Required for Referral Agents?

**Short answer: No.**

E\&O (Errors & Omissions) insurance is not required for referral agents operating under General Referral.

### Why?

All referral agreements are processed using **General Referral’s approved documentation and procedures.** As a referral agent, you are **not permitted to provide real estate services to the public.**

This means:

* You do **not** represent buyers, sellers, tenants, or landlords.
* You do **not** negotiate terms or participate in transactions.
* You do **not** create an agency relationship with members of the public.

Your role is strictly limited to **making referrals** between a client and a licensed full-service agent through your broker.

As no agency relationship is formed between you (or General Referral) and the buyer, seller, tenant, or landlord, and as you are not performing real estate brokerage services, E\&O insurance is not required.