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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 Expert Pre-Claim Legal Services
  • 25 Free Building Permit History Reports to show buyers the permits on a property (a CRES exclusive!)
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Renew Your CRES Policy

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 North Dakota real estate professionals. All North Dakota real estate licensees are required to have Errors and Omissions insurance, and  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 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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