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North Dakota Real Estate Errors and Omissions Insurance

8 to 20 Times More Protection in Key Areas — from $146*

Renew by December 31, 2021

  • Includes Expert Legal Services available 7 days to resolve issues
  • 25 Free Building Permit History Reports to show buyers the permits on a property (a CRES exclusive!)
CRES North Dakota Real Estate E&O                                                     versus State Group Policy
$100,000/$500,000  (plus a separate $500,000 for Defense costs) $100k/$500k
Pre-Claim Legal Services 7 days a week No help pre-claim with State Plan
$100,000 Lock Box Property Damage (20x the coverage) $5k/10k
$100,000 Pollution/Environmental/Mold (10x the coverage) $10k/$20k
$50,000 Cyber coverage for notification costs due to a data breach (10x the coverage) $5k
$30,000 Subpoena coverage (12x the coverage) $2.5k
$20,000 – $50,000 Disciplinary Hearings coverage (8x the coverage) $2.5k/$5
Sale of Agent-Owned Vacation/Rentals to fourplex (with requirements) State Plan: primary residence only

New! One low rate now covers all of your activities that require a real estate license.

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

You’ll also enjoy:

  • Team/Non-Licensed Assistant coverage
  • Conformity Endorsement coverage — if you’re a North Dakota resident, this endorsement amends your North Dakota policy to conform to E&O requirements of other states where you hold a valid real estate license.
  • PLUS, our North Dakota E&O has ALWAYS included:  No out-of-pocket claims costs for claims where only legal fees are due (“First Dollar Defense”), Firm and Franchise Coverage, and coverage for Prior Acts for as long as you’ve maintained continuous real estate E&O insurance (with any company).

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

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 all NDREC  requirements.

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.  Try our new simplified online enrollment!  (Cover your Appraisal or Transaction Coordinator activites in a separate policy.)

Optional Coverage

$25,000 Seller’s E&O Protection Plan gives potential sellers unique protection for 180 days after closing, and helps you win listings – just $5

$100,000 Open House and Showings coverage gives you protection for bodily injury and property damage – just $8

Fair Housing/Discrimination Defense and Damages (up to policy limits or $500,000) – just $8

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


*Comparison as of 10-6-21 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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