You are absoultely right Donald, The agency law in California maintains that the principle is liable for almost everything but the agents “Torts”, Of course in real life good agents, or their brokers, correct the mistakes they make,usually with that big o fat commission. Knock on wood I have never had to. In my experience it is not very easy to get someone in trouble over the small potatoes generally involved in real estate disptutes.If someone is honest they probably don’t even need to carry E&O. I have tried to get help with Cheaters and rule benders, as with most agencies, the DRE is practically lame duck, there are many offenses they will jump on but they don’t referee the buisness. “Somebody has to be smarter and have more integrity than the schmucks you run into out there, as in “a ounce of prevention is worth a pound of cure” Most problems are handled, between the parties, by mediation,and by small claims. Mold is a “pet case” ,drummed up by Lawyers probably. There always seems to be one “issue of the day” over which one will be sued to allow lawyers to steal to make a living. In the case discussed here on mold, somebody probably forgot to fill out a “required mold disclosure” and some ambulance chaser jumped on it. Could even have been a dIY seller who got scammed. I say shame on the system and the people who use it for things like this. Disclaimer: CYA