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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.

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.

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