I have not used Pearl personally, but I have heard from others that it is a fine company. As I understand it, Pearl was founded several years ago by Jack Pearl and later, his son Gary joined the firm. They are real innovators and created some of the very first insurance programs for professionals in the real estate business. Among their greatest accomplishments was the group rate programs that are supported today. E&O insurance is something that every real estate agent must have. Although they do not cary E&O for other concerns, I have heard that for real estate agents and brokers, they are the best.