PIC-SURANCE™ REALTOR® Insurance.

PIC-SURANCE™ allows you to defer the costs of our professional imaging and media services until you arrive at a firm sale. If your MLS® listing fails to sell for whatever reason, we’ll waive our fees. We even provide a complete seasonal re-shoot if needed. Now you can enter listing appointments and offer your clients the best in real estate imaging without spending hundreds of dollars upfront. Instead, use the money you would have paid your photographer towards marketing your listing and building your brand.

Purchase PIC-SURANCE, and if your listing fails to sell for whatever reason, you owe nothing. Common reasons include the following:

• The listing expires and is not renewed.

• Seller removing the property from the market.

• Seller listing with another agent/brokerage.

• Bank foreclosure or power of sale.

• Acts of God preventing the property from being sold.

• Failure of either buyer or seller to close.

Contact us for more information.

No, PIC-SURANCE™ is completely optional, but highly recommended. The alternative is paying for all services upfront, without the option of a seasonal re-shoot.

PIC-SURANCE™ must be purchased at the time of booking and before the delivery of media. Once the media is delivered, you are no longer able to purchase PIC-SURANCE™.

Most residential properties valued under $1,000,000 qualify for PIC-SURANCE.

There are a few exceptions:

• Properties that are currently tenanted.

• Seasonal (cottage) properties.

• Most commercial / industrial properties.

Contact us for more information.

PIC-SURANCE™ Terms of Service
Effective Date: April 29, 2025

1. Service Overview
PIC-SURANCE® is a deferred-payment option offered exclusively to licensed real estate agents, allowing them to delay payment for listing media services until a firm sale is achieved on the associated property. The Service is designed to support agents in managing upfront marketing costs without compromising listing quality.

2. Eligibility
To qualify for PIC-SURANCE®, the following conditions must be met:

• The property listing must be a residential dwelling valued at $1,000,000 or less.

• The property must not be tenanted.

• The listing must not be a multi-unit or commercial property.

• The Service is available only to licensed real estate agents in good standing.

• The Service is non-transferable and tied to a specific property listing.

We reserve the right to verify listing criteria and deny or revoke access to the Service if these conditions are not met.

3. Payment Terms

• Payment for media services ordered under PIC-SURANCE® is deferred until the property reaches a firm sale.

• A firm sale is defined as a legally binding agreement of purchase and sale with all conditions removed.

• Should the property not sell within 12 months of media service delivery, the full payment becomes immediately due.

• Clients may pay the balance at any time prior to a firm sale.

4. Complimentary Seasonal Reshoot
PIC-SURANCE® includes one (1) complimentary seasonal reshoot of all media services originally ordered, subject to the following conditions:

• The reshoot must be requested no earlier than 3 months and no later than 6 months after the original service date.

• The reshoot is valid only if the property remains unsold.

• The reshoot is void if the property has undergone renovations or significant alterations affecting the listing media.

• Reshoot availability is contingent upon scheduling and operational capacity.

5. Limitations & Exclusions
The following are not eligible for the PIC-SURANCE® Service:

• Properties listed above $1,000,000

• Tenanted properties

• Multi-unit dwellings (e.g., duplexes, triplexes, etc.)

• Commercial properties

• Transfer or resale of the Service to another agent, property, or brokerage

6. Term and Expiry

• PIC-SURANCE® coverage is valid for a maximum of 12 months from the date of the initial media service delivery.

• If the property remains unsold at the 12-month mark, full payment is waived, and no further benefit shall apply.

7. Termination
We reserve the right to terminate access to the PIC-SURANCE® Service at our discretion if:

• The terms outlined herein are violated.

• Misrepresentation or misuse of the Service is identified.

• Payment obligations from prior services remain outstanding.

8. Modifications
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website or via direct notice to clients. Continued use of the Service after such changes constitutes your acceptance of the updated Terms.

9. Governing Law
These Terms are governed by and construed in accordance with the laws of [Insert Jurisdiction], without regard to its conflict of laws principles.

10. Contact Us
For questions about the PIC-SURANCE® Service or these Terms, please contact us.