Colorado Real Estate Errors and Omissions Insurance — from the E&O Specialists

All CRES E&O Plans	vs State Group Plan	vs CAR Plan
Environmental/Mold to $100,000                                                         Platinum Plan to Policy Limits	Not included (Extra Fee for 10X LESS coverage)	$20k (5X LESS coverage for CAR members or Extra $40)
Fair Housing/Discrimination to $100,000	$30k (3X LESS coverage)	$50k (2X LESS coverage for CAR members or Extra $40)
Open House & Showings to $100,000                                                Platinum Plan to $250,000	Not included (Extra $30 for 10X LESS coverage)	$10k (10X LESS coverage for CAR members or Extra $40)
Seller’s Protection Plan to $25,000  (use it to attract more listings)	Not offered	Not offered
Agent-Owned Property Sales of Vacation or Rental Properties to 4-plex	Primary Residence only (Extra $15 for Rentals)	Rentals included for CAR members or Extra $40
Subpoena coverage to $30,000	$5k (6X LESS coverage)	$5k (6X LESS coverage for CAR members or Extra $40)
Disciplinary proceedings coverage to $20,000	$2.5k (8X LESS coverage)	$7.5k (2.5X LESS coverage for CAR members or Extra $40)
Cyber Liability Data Breach Notification up to $50,000	Not included (Extra $15 for 10X LESS coverage)	Not included
Conformity Endorsement for other states where you are licensed	Not included (Add for Extra $20)	Included
Lockbox Damage to $100,000, First Dollar Defense, Defense Outside the Limits, Firm/Franchise coverage	Same	$100k Lockbox, Defense Outside the Limits included; no First Dollar Defense; no Firm/Franchise coverage

Colorado real estate E&O insurance plans also include:  No out-of-pocket costs for claims where only attorney’s fees are paid (“First Dollar Defense”), and Prior Acts coverage for as long as you’ve maintained continuous real estate E&O insurance (with any company). You won’t pay extra to cover all of your activities that require a license.

CRES Helps You Protect Your Business — and Actually Prevent Claims

With CRES Colorado Real Estate E&O + ClaimPrevent®, you’ll have local expert real estate attorneys available PRE-CLAIM.  Ask questions, have them write or review letters and addendums, review contracts, and more — to help you actually PREVENT claims. (No help from the state group plan until you have a claim!) And if you’ve exhausted your E&O limits, you won’t get any help at all!!)

For Colorado Real Estate Brokers, CRES is Just a FAR Better Real Estate E&O Choice

All real estate professionals in Colorado must purchase Errors and Omissions insurance each year. With significantly more coverage, CRES is a FAR better protection option than the state group plan or the CAR plan for most licensees in Colorado.

As required by DORA (Colorado Department of Regulatory Agencies), our plans cover all activities requiring a real estate license.  CRES E&O is guaranteed to meet or exceed 100% of all DORA requirements.

Get an Incredible Level of Coverage and Extras 

• Give your sellers an extra $25,000 in Seller’s E&O with a CRES Qualified Home Warranty — and reduce your out-of-pocket claims expense to zero.*
• 25 Free CRES Building Permit History Reports (a $99.95 value), included with your policy each year. Show buyers the permits on a property before closing, and reduce your out-of-pocket claims expense to zero. A CRES Exclusive
• $1,000 retention (out-of-pocket claims expense) — and no out-of-pocket claims expense for claims where only attorney’s fees are paid (“First Dollar Defense”).
• 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.

You may be eligible for CRES real estate E&O even with past complaints or claims.

Enrolling online is a simple process!  Proof of coverage is electronically sent to DORA.

Why is CRES Real Estate E&O a Better Value than the state group plan?

CRES ensures lower-risk Colorado brokers who focus primarily on residential real estate. (Looking for coverage for your Colorado brokerage? Choose to cover all licensees and employees, or an Excess policy)  CRES gives you $200,000 more total protection, up to 10X more coverage in individual risk areas (the real difference between E&O plans), and expert pre-claim Legal Help (you won’t get any help from the state group plan until you actually have a claim. No wonder why they cite so many claims paid).

The state group plan has to take everyone, so their risks are higher and their premiums tend to be higher. CRES gives you FAR better protection with pre-claim Legal Help — all for a better value starting at just $188 for 2026.