Louisiana Real Estate Agent Errors and Omissions Insurance —
Extensive E&O Protection with Pre-Claim Legal Help
Superior Protection at an Exceptional Value
2026 RENEWAL DEADLINE: 9/30/25
- Base Protection plan: from $70
- Superior Protection plan: from $125
- Platinum Protection Bundle: from $264
$200,000 more total coverage, 10 to 20 times more protection in individual coverage areas than the state group plan — plus pre-claim legal help
You could have more total coverage, broader protection to cover more risks, and higher limits in individual coverage areas.
And you’d be getting $200,000 more protection for a price that’s likely lower than the state group plan!
Choose from 3 plans tailored to the amount of business you do . . .
CRES Real Estate Agent E&O + ClaimPrevent® Plans for Louisiana
✅ Base Protection (for those with no transactions in the last 12 months requiring a real estate license.) $200,000 more total coverage and up to 20X more protection in individual coverage areas vs the state group plan.
$100,000/$500,000 coverage – starting at $70!
✅ Superior Protection: With $200,000 MORE total coverage and up to 20X more protection in individual coverage areas vs the state group plan.
$100,000/$500,000 coverage – from $125
✅ Platinum Protection Bundle: broadest coverage and higher limits for those doing high-value or more complex transactions. Includes all optional coverages.
$500,000/$500,000 or $1 million/$1 million coverage limits – from $264 or $364
Every plan is guaranteed to meet 100% of LREC (Louisiana Real Estate Commission) requirements, and is provided through an A-rated carrier. And every plan meets or exceeds the individual coverages of the state group plan from 10X to 20X!*
Every plan includes our highly-rated Pre-Claim Legal Services to help prevent everyday issues from escalating into lawsuits. (It’s a valuable service CRES pioneered. You won’t get any legal help from the state group plan until you actually have a claim.) You’ll have access to local expert real estate attorneys for questions, writing or reviewing letters and addendums, contract review, and more.
Base Protection Plan and Superior Protection Plan
- $100,000/$500,000 plan coverage
- $100,000 Lock Box Property Damage
- $100,000 (or sales price, whichever less) Environmental/Pollution including Mold
- $50,000 Cyber coverage for data breach
- $30,000 Subpoena coverage
- $20,000 – $50,000 Disciplinary Hearings coverage
- $100,000 Escrow disputes
- Agent-Owned Property sales for vacation or rental properties to four-plex
- Conformity Endorsement coverage — this amends your Louisiana E&O policy (for Louisiana residents), so that it also conforms to any E&O requirements in other states where you hold a valid real estate license.
- Firm and Franchise Coverage
- Prior Acts coverage for as long as you’ve maintained continuous real estate E&O insurance (with any company).
state group plan
- 40% less total protection
- 20x less protection
- 10x less protection
- 10x less protection
- 12x less protection
- + $25 for 8x less protection
- 20x less protection
- Primary residence only or + $50
- + $25 extra
Optional coverage:
$25,000 Seller’s Protection Plan – just $5 to cover all your sellers. $100,000 Open House and Showings coverage – just $8. $250,000 Open House and Showings coverage – just $11. $500,000 Pollution/Environmental (including mold) – just $4. Fair Housing/Discrimination Damages and Defense (to policy limits of $500,000) – just $8. First Dollar Defense (no out-of-pocket costs when a claim involves only defense costs) – just $4. Defense Outside the Limits (additional limit equal to your policy limit for defense costs) – just $8.
Platinum Protection Bundle
Includes ALL OF THE COVERAGE ABOVE, including all of the options:
- $250,000 Open House and Showings
- Fair Housing/Discrimination Damages and Defense (to policy limits) — 20 times the coverage of the state group plan!
- $500,000 Environmental/Mold
- $25,000 Sellers Protection Plan
- First Dollar Defense
- Defense Outside the Limits
Get More Extensive Coverage + Business-Building Extras with ALL CRES Plans
- Attract more sellers with up to $50,000 in Seller’s E&O Protection Plan (and eliminate your out-of-pocket claims cost) — and attract more buyers when you purchase a CRES Qualified Home Warranty from Old Republic Home Protection.*
- Includes 25 Free CRES Building Permit History Reports (a $99.95 value) per policy year. Give a Report to your buyer and eliminate your out-of-pocket claims costs! A CRES Exclusive
- Eliminate the $1,000 retention (out-of-pocket claims expense) — by giving a Building Permit History Report to a buyer or purchasing a CRES Qualified Home Warranty.*
- 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.
All real estate professionals are required to have real estate Errors and Omissions insurance in Louisiana, so why not get more extensive protection, business-building benefits, and Pre-Claim Legal Help!
CRES E&O is guaranteed to meet or exceed all LREC requirements — and it’s a FAR better protection choice than the state group policy for most licensees in Louisiana.
Over 150,000 real estate professionals trust CRES, your specialist in real estate E&O for more than 25 years.
You may be eligible for CRES E&O even if you have past complaints or claims.
Cover your Appraisal or Transaction Coordinator activities under a separate policy.
In Every Plan
- One rate covers all of your activities for which a real estate license is required!
- Prior acts are covered for as long as you’ve maintained continuous Errors and Omissions insurance (with any carrier)
Get More Information
Upon purchasing a policy, you’ll receive a separate email from us with your Declarations page and an already completed LREC Independent Coverage form. Sign the form and fax both documents to LREC. LREC will collect your $7 fee as part of your online license renewal, so there is no longer a need to mail them your forms or a check.
* Comparison as of 6-1-25 based on base policy cost for licensees performing activities requiring a license.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.