--- title: "Real Estate and Construction" description: "Proptech and contech insurance help: tech E&O, cyber, liability, property and builders’ risk matched to each entity’s software, advice, property and site work." canonical: "https://spot.insure/insurance-for/real-estate-and-construction" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-for/real-estate-and-construction) ## Agent Guide **What this page is:** Proptech and contech insurance help: tech E&O, cyber, liability, property and builders’ risk matched to each entity’s software, advice, property and site work. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Spot for Real Estate and Construction Companies Get quotes from real estate and construction insurance providers with Spot. Whether you build software, manage property or work on site, we get quotes through brokers and compare them with you. - Software, advice and site work described separately - Insurance and bond clauses read side by side - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=general-liability&industry=real-estate-and-construction&icp=real-estate). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **List what each company does.** Your Spot team lists what each entity sells and does, from software and data to advice, transaction coordination, management and construction, along with its contracts, assets and locations. 2. **Split bond requests from insurance requests.** When a contract asks for both, Spot pulls out the insurance clause and the bond clause, then records the bond type, obligee and obligation so neither gets missed. 3. **Compare how quotes cover each activity.** We work with brokers to take your submission to market and ask how each proposal treats your platform, your premises, your site visits and your project property, rather than reading one limit as the whole answer. ## Who we help - **Proptech and contech software.** Customers run property, project or transaction work on your platform and hold you to its output. - **Property managers and operators.** You manage premises, hold property for others and send staff to inspect and maintain buildings. - **Builders and renovators.** A new build or alteration needs someone to insure the existing structure and the work in progress. - **Field service and inspection firms.** Your tools and samples move between offices, storage and active sites, where a fixed-location property schedule may not follow them. ## Coverage - [General liability](https://spot.insure/insurance/general-liability) - [Commercial property](https://spot.insure/insurance/commercial-property) - [Builders risk](https://spot.insure/insurance/builders-risk) - [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-errors-omissions) - [Cyber liability](https://spot.insure/insurance/cyber) - [Tools, equipment and inland marine](https://spot.insure/insurance/inland-marine) ## When to get this coverage - **A customer contract asks for tech E&O.** Describe the software, data, implementation and advice you provide, and the promises in the contract, before comparing proposals. - **Your platform holds tenant or payment data.** Ask how each cyber quote treats response costs, interruption, dependent services, fraud and privacy claims. - **A renovation is starting.** Settle who insures the existing structure, the work in progress and materials, and when the project policy ends. - **A project contract calls for a bond.** Bid, payment and performance bonds serve different duties. Identify which one the obligee wants and review it apart from the insurance. - **Equipment moves between sites.** A fixed-location schedule doesn’t follow your tools. Ask which items and trips the inland marine form lists. ## Common questions Also known as proptech insurance, property technology insurance, real estate tech insurance, contech insurance, construction tech insurance and construction technology insurance. ### What insurance does a proptech company need? Tech E&O and cyber for the platform come first. If you also manage property, advise owners or send crews to site, general liability, property, builders’ risk and inland marine follow. Spot lists what each entity does so each policy names the right one. ### Is technology E&O the same as professional E&O? No. Professional E&O addresses errors in advice or professional services. A technology E&O form may treat software, data and implementation differently, so Spot compares the wording itself. ### What do we do when a contract asks for insurance and a bond? Handle them separately. Your Spot team records the entity, project, requested limit, bond type, obligee and obligation, then takes the insurance request and the bond request to your broker or surety agent as two items. ### Does our general liability cover work at a client’s property? It can address premises, operations and completed work, subject to exclusions. We check that your site visits, installation and inspection work appear in the application. ### We have several entities. Does each need its own policy? Not necessarily, but each must be described and named correctly. Spot maps entities to activities before the submission goes out. ### We use a construction broker for site work. Can Spot work with them on the platform side too? Yes. Spot works alongside your construction broker and can bring tech E&O and cyber into the same submission, or help you switch to a broker who handles both. Spot doesn’t take commissions on premiums for either. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/real-estate-and-construction.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)