Kentucky Real Estate Errors and Omissions Insurance
8 to 100 Times More Protection — from $122
- With Pre-Claim Legal Services 7 days a week to help you resolve issues
- And 25 Free Building Permit History Reports to show buyers permits on a property
| CRES Kentucky Real Estate E&O versus | State Group Policy |
|---|---|
| $500,000/$1,000,000 limits | $100k/$1M |
| Pre-Claim Legal Services 7 days a week | No help pre-claim with State Plan |
| $500,000 Lock Box Property Damage (100x more coverage!) | $5k/$10k |
| $100,000 Pollution/Environmental/Mold (10x more coverage!) | $10k/$20k |
| $50,000 Cyber coverage | Not offered with State Plan |
| $30,000 Subpoena Coverage (12x more coverage!) | $2.5k/$2.5k |
| $20,000-$50,000 Disciplinary Hearings Coverage (8x more coverage!) | $2.5k/$5k |
| Sale of Agent-Owned Vacation/Rentals to fourplex (with requirements) | State Plan covers primary residence only |
CRES Real Estate E&O + ClaimPrevent® includes Pre-Claim Legal Services 7 days a week. Local expert real estate attorneys can address questions, write or review letters and addendums, review contracts, and more — to help you actually PREVENT claims.
And now, one rate covers all of your activities that require a real estate license. CRES E&O also includes:
- $20,000-$50,000 coverage per enrollment period for Disciplinary Proceedings assistance (8x more coverage than the state group policy’s $2.5k)
- Conformity Endorsement coverage — for Kentucky residents, this endorsement amends your Kentucky policy to conform to E&O requirements of other states where you hold a valid real estate license.
- Team/Non-Licensed Coverage!
- PLUS, our Kentucky E&O has ALWAYS included Firm and Franchise coverage, and Prior Acts coverage for as long as you’ve maintained continuous E&O coverage.
With CRES, You’ll Enjoy an Incredible Amount of Coverage + Valuable Extras
- 25 Free CRES Building Permit History Reports (a $99.95 value), included with your policy each year, to show buyers the presence of permits on a property. A CRES Exclusive!
- 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.
CRES is a FAR better protection option than the state group policy for most licensees in Kentucky — and has been for more than 25 years.
As required by KREC, CRES E&O covers all activities requiring a real estate license. (Cover Appraisal or Transaction Coordinator activities in a separate policy.) CRES E&O is guaranteed to meet or exceed 100% of Kentucky State Requirements
You may be eligible even if you have past complaints or claims.
We’ve even simplified our online enrollment process.
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Optional Coverage
$25,000 Seller’s E&O Protection Plan – give this unique benefit to potential sellers to protect them for 180 days after closing, and help you win listings – just $5
Fair Housing/Discrimination Defense and Damages (to policy limit of $500,000) – just $8
$100,000 Open House and Showings coverage for property damage and third-party injuries – just $8
Defense Costs Outside the Limits – just $8
$500,000 Environmental/Pollution (including mold) – just $4
*Comparison as of 10-6-21 based on base policy cost for licensees performing activities requiring a license. Savings comparison assumes online purchase where state program charges a $5 convenience fee and CRES does not. Read each policy for a full comparison of coverage and benefits. Certain restrictions apply. All coverage is subject to Underwriting and other qualifications.