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Kentucky Real Estate Errors and Omissions Insurance

2 New E&O Options for Kentucky — up to 20X More Protection!

  • Superior Protection Plan: from $120 (for one year)
  • Platinum Protection Bundle: from $360 (for one year)
  • Both with Pre-Claim Expert Legal Services
  • And 25 Free Building Permit History Reports

Renew for Kentucky by March 31.

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Renew Your CRES Policy

Kentucky Licensees Have 2 New Real Estate E&O Plans — both with extensive coverage

Choose from two new real estate errors and omissions plans, both with far superior protection in individual coverage areas:

✅ Superior Protection Plan with $400,000 more per-claim coverage than the state group plan, and up to 20X more protection in individual coverage areas:  $500,000/$1 million coverage – from $120 (for one year)

✅ Platinum Protection Bundle with higher limits and the most popular options at a bundled price for those doing higher sales volume: $1 million/$1 million coverage limits – from $360 (for one year)

From 8 to 20 Times More Coverage in EVERY CRES E&O Plan

Every CRES E&O plan is guaranteed to meet 100% of Kentucky requirements, guaranteed to meet or beat the coverage of the state group plan, and includes our highly-rated Pre-Claim Legal Services. Errors and Omissions insurance is required for all real estate professionals in Kentucky, so why not get the best protection for your money?

Compared to the state group plan, every CRES plan includes far more coverage:

Superior Protection Plan 

  • Pollution/Environmental (including mold) to $100,000    —        vs $10k (10x Less coverage)
  • Escrow Disputes to $100,000                                                      —        vs $5k (20X Less coverage)
  • Cyber Liability data breach notification up to $50,000   —        vs not included
  • $20,000 Per Disciplinary Proceeding                                      —        vs $2.5k (8X Less coverage)
  • Conformity (for other states where you’re licensed)            —        vs Extra Fee
  • $30,000 subpoena coverage                                                      —        vs $2.5k (12x Less coverage)
  • Agent-Owned Property sales of vacation or rental homes —     vs Primary Residence or Extra Fee
  • Firm/Franchise coverage

Optional Coverage:

  • $100,000 Open House and Showings coverage – just $8
  • $250,000 Open House and Showings coverage – just $11
  • Pollution/Environmental (including mold) to $500,000 – just $4
  • Fair Housing/Discrimination Defense and Damages to the policy limit – just $8
  • $25,000 Seller’s Protection Plan coverage to help win more listings – just $5
  • Defense Outside the Limits (adds a separate limit for defense costs) – just $8
  • First Dollar Defense (no out-of-pocket costs if just defense costs) – just $6

Platinum Protection Bundle includes ALL coverages above, and adds all of the options:

  • $1 million/$1 million coverage limits
  • Pollution/Environmental (including mold) to $500,000
  • Open House and Showings coverage to $250,000
  • Fair Housing/Discrimination Defense and Damages to the policy limits
  • Sellers Protection Plan to $25,000 to help you win more listings
  • Defense Outside the Limits
  • First Dollar Defense

One low rate covers all of your activities that require a real estate license.  Prior Acts coverage included for as long as you’ve had continuous  E&O coverage (with any company).

With CRES Real Estate E&O + ClaimPrevent®, local expert real estate attorneys will to help you PRE-CLAIM!  They’ll handle your questions, write or review letters and addendums on your behalf, review contracts, and more.  (No help from the state group policy until after you have a claim.)

With CRES, You’ll Enjoy Superior Real Estate E&O Coverage — and More Included Extras

  • 25 Free CRES Building Permit History Reports (a $99.95 value), included each year, with discounted pricing available on additional reports.  Provide a Report to a buyer to show the presence of permits, and eliminate your out-of-pocket claims costsA 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.

Get More Information

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

$250,000 Open House and Showings coverage – just $11

$500,000 Environmental/Pollution (including mold) – just $4

Defense Costs Outside the Limits – just $8

First Dollar Defense – just $6

*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.

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