In all three jurisdictions, errors & omissions insurance is required by most brokerages as a condition of the agent’s license sponsorship, and it’s increasingly required by state-level regulation as well. Maryland requires brokers to maintain E&O for their agents under MD Real Estate Commission rules. DC and Virginia don’t currently mandate E&O at the state level for individual agents, but virtually every brokerage requires it. Most state boards mandate E&O for the brokerage entity. Standard limits are $1M per claim / $1M aggregate, but DC-metro transaction values often justify $2M.