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North Dakota Real Estate Errors and Omissions Insurance

8 to 20 Times More Protection, 3 New E&O Plans — from $74

Renew by December 31, 2023

  • Base Protection Plan: from $74
  • Superior Protection Plan: from $138
  • Platinum Protection Bundle: from $260
  • Includes Pre-Claim Legal Services available 7 days
  • 25 Free Building Permit History Reports to show buyers the permits on a property (a CRES exclusive!)

New Revolutionary Real Estate Errors and Omissions Plans for North Dakota – from $74

Three new coverage plans, each at a great price, allow you to choose coverage based on your transaction volume.

✅Base Protection Plan – Haven’t done any transactions requiring a real estate license in the last 12 months? This plan will save you money:

$100,000/$500,000 coverage – from $74

✅Superior Protection Plan – Protect your business up to 20X more in individual coverage areas than the state group plan:

$100,000/$500,000 coverage – from $138

✅Platinum Protection Bundle – Highest limits with all optional coverage at a bundled price.

$500,000/$500,000 or $1 million/$1 million – from $260 or $360

Up to 20 Times More Protection in Specific Coverage Areas Compared to the State Group Plan

That’s the real difference between North Dakota Errors & Omissions plans. Your overall coverage limits won’t help you if a claim exceeds your coverage in that specific area. That means you could have E&O insurance and STILL be on the hook for damages and legal fees.

Don’t settle for less protection . . . CRES is a FAR better protection option than the state group policy for most licensees in North Dakota.  CRES E&O is guaranteed to meet or exceed 100% of all NDREC  requirements.

Base Protection Plan and Superior Protection Plan                  State Group Plan

  • Environmental (including mold) to $100,000                                                                   vs $10k (10X less coverage)
  • Lockbox Property Damage to $100,000                                                                            vs $5k (20X less coverage)
  • Escrow Disputes to $100,000                                                                                                  vs $5k (20X less coverage)
  • Data breach notification up to $50,000                                                                             vs $5k (10X less coverage)
  • Subpoena coverage to $20,000                                                                                          vs $2.5k (8X less coverage)
  • Regulatory proceedings to $30,000                                                                                  vs $2.5k (12X less coverage)
  • Agent-Owned Property Sales of Vacation/Rentals                                                       vs Primary residence only
  • First Dollar Defense (no out-of-pocket when only legal fees)                                   vs Not included
  • Conformity (for other states where you’re licensed)                                                     vs Extra Fee
  • Firm and Franchise coverage                                                                                                vs Same
  • Defense Outside the Limits (additional limit for defense costs)

Optional coverage

  • Open House & Showings to $100,000:                                                             just $8
  • Open House & Showings to $250,000:                                                            just $12
  • Seller’s Protection Plan to help you attract more listings:                            just $5
  • Environmental/Pollution (including mold) to $500,000:                           just $4
  • Fair Housing Damages and Defense to $500,000:                                    just $8

Platinum Protection Bundle includes all coverage above, and all options

  • Open House & Showings to $250,000
  • Seller’s Protection Plan to help you attract more listings
  • Environmental/Pollution (including mold) to policy limits ($500,000 or $1 million)
  • Fair Housing Damages and Defense to policy limits ($500,000 or $1 million)

All plans include: Prior Transactions coverage for as long as you’ve maintained continuous E&O coverage (with any company), and coverage for all activities requiring a license, including commercial sales – without paying extra

Your CRES Real Estate E&O + ClaimPrevent®  includes access to local expert real estate attorneys 7 days a week Pre-Claim — for questions, writing or reviewing letters and addendums, contract review, and more — to help you actually PREVENT claims.

With CRES, You’ll Enjoy an Incredible Amount of Coverage — and More Extras:

  • 25 Free CRES Building Permit History Reports (a $99.95 value), included with your policy each year, with discounted pricing on additional reports.  Provide a Report to a buyer to show the presence of permits, and eliminate your out-of-pocket claims costs (a $1000 savings)!  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.

You may be eligible even if you have past complaints or claims.

As required by NDREC, our E&O covers all activities requiring a real estate license. Cover your Appraisal or Transaction Coordinator activites in a separate policy.

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*Comparison as of 10-6-22 based on base policy cost for licensees performing activities requiring a license. 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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