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Superior Arizona Individual Real Estate E&O Insurance + ClaimPrevent®

Protect Yourself with Portable Coverage

  • Moves with you, no matter where you work
  • Puts you in control of  your continuous coverage to ensure you’re protected for past transactions
  • Seller’s Protection Plan helps you win listings
  • CRES Building Permit History Reports show you permits on a property
  • Plus, our highly rated pre-claim Legal Services are included!
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(Looking to cover your Arizona company, employees and agents? Visit the Arizona real estate company E&O page.)

With the risks you face in your everyday real estate activities, you need insurance to protect you from claims, lawsuits, and the exorbitant cost of legal fees should something go wrong (or even if you’re wrongly accused of wrongdoing; defending yourself and your reputation can be costly!).

  • Lockbox risks, Open House and Showings risks (injuries, property damage), Discrimination issues from advertising, problems after the sale including mold — all can cost you tens of thousands of dollars if you have to cover them yourself. (The average real estate lawsuit is now over $80,000.)

Real Estate Errors and Omissions insurance is “claims-made” insurance, meaning it covers claims that occur during your policy period even for past transactions.

  • Past transactions are covered from the time you first had continuous Real Estate E&O coverage.
  • The key is to ensure you never have gaps in coverage to keep your E&O continuous.

And the only way to ensure that is having your own individual — and portable — real estate E&O  policy.

Why Invest in Your Own Arizona Real Estate Errors and Omissions Insurance?

Company real estate E&O policies are designed to protect the real estate brokerage. As an individual licensee, you need a plan designed to protect YOU — and cover your particular real estate activities.

  • Include Your Specific Activities and Risks.  To retain coverage for your past activities, your current policy needs to include coverage for those types of activities. For example, if you did some property management in the past, every future E&O policy must include property management to ensure you remain protected. And not every E&O policy covers some critical real estate risks that it should — like Open House and Showings activities.
  • Ensure There’s Coverage When You Need it. If the office’s E&O limits are exhausted before you have a claim, you could be on the hook for legal fees and potential damages. So your brokerage’s E&O policy might not even cover you!
  • Protect Your Continuous E&O Coverage. With an individual policy, you don’t have to worry if your real estate brokerage  stopped making payments on their policy, renewed the policy, or renewed on time.
  • Portable Coverage No Matter Where You Work.  If you change real estate brokerages, you’ll need individual E&O in place BEFORE you leave. And should your office be sold or otherwise go out of business; you could be left unprotected for current and prior transactions unless you have an individual E&O policy.

With individual E&O, you have control — to ensure there aren’t any gaps in E&O coverage to put your livelihood and personal assets at risk.

CRES Has Been Your Real Estate E&O Specialist for More than 25 Years

When you are insuring something as important as your livelihood, choose a specialist in real estate E&O. CRES will cover all of your Arizona real estate activities with the best individual E&O investment you can have — CRES Real Estate E&O + ClaimPrevent®:

  • We include more specific-to-real-estate coverage and higher limits — for superior protection, including Open House and Showings coverage
  • ClaimPrevent® Legal Services are included pre-claim to help you prevent problems before they happen. Use our on-call experts for questions, letters and addendums, contract review, and more.  Guaranteed response time!
  • Seller’s Protection Plan helps you win more listings. It gives your sellers $25,000 in insurance to cover settlements and legal fees in case of a disgruntled buyer
  • 25 FREE Building Permit History Reports to show buyers the  permits on a property and reduce your out-of-pocket claims costs up to $2,500
  • Home Warranties Reduce Your Out-of-Pocket Claims Costs. Use a CRES Qualified Home Warranty* to protect the buyers, reduce your E&O retention (your out-of-pocket claims expense) up to $2,500*, and get up to an additional $50,000 in Seller’s Protection Plan coverage.
  • Enjoy Discounts to Office Depot®, Constant Contact® Email, Lenovo® PC Products, UPS® shipping, even Bekins® and Wheaton Van Lines moving discounts you can offer to your clients.

Don’t wait until  you have a claim to find out you’re not covered. Protect yourself and your family with superior real estate E&O protection. As part of AJ Gallagher, one of the largest insurance brokers in the world, CRES has access to more E&O options than just about anyone else (especially smaller insurance brokers).

More about why you need individual E&O protection

Are you looking for coverage for your real estate office and agents?

Arizona Real Estate Individual E&O Policy

  • $500,000 liability limits and a $2,500 Retention (out-of-pocket claims expense limit)
  • Seller’s E&O Protection Plan to help you get more listings (included if Residential Real Estate activity is selected on policy)
  • Open House and Showings coverage to cover injuries or property damage that may occur from open houses, showings, or your real estate signage
  • Lockbox coverage for injuries and property damage related to your lockbox
  • Pollution/Environmental coverage (including Mold)
  • Fair Housing/Discrimination coverage for defense costs and damages
  • Firms and Franchisors coverage as Additional Insureds
  • Coverage for Attorney’s Fees up to $500,000 (separate limit)
  • “Broad Form” coverage with up to: $30,000 per subpoena, $20,000 per disciplinary proceeding, $25,000 per public relations event, $10,000 per claim for loss of earnings during legal proceedings, $15,000 per claim for non-profit director/officer activities, and $50,000 for cyber liability to hire experts and notify clients due to data breach.
  • Add optional coverage for First Dollar Defense (no out-of-pocket costs if only defense fees)

Get a Quote & Buy Online

Get an online quote any time, buy when you’re ready, and get proof of coverage immediately. If you have any questions, call 858.618.1648 anytime for prompt, personal assistance.

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* Seller’s E&O coverage and other benefits are feature-based and warranty specific. The E&O Retention (Out-of-Pocket Claims Expense) Reduction applies to any real estate licensed Real Estate Services Council Risk Purchasing Group, LLC. (“RESCRPG”) member who personally pays for the Home Warranty Plan. These benefits are offered by, and intended for, the members of RESCRPG. RESCRPG membership is part of your CRES E&O policy. Other warranties may also qualify for an E&O Retention Reduction, but only those warranties listed here are guaranteed to qualify. Not available in all states. Certain restrictions apply. Read each policy for a full comparison of coverage and benefits. All coverage is subject to Underwriting and other qualifications.

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