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Rhode Island Real Estate Errors and Omissions Insurance

3 E&O Options for Rhode Island E&O — up to 40X More Protection for One Year

Renew by April 30, 2024

  • Base Protection Plan:  from $64 (1 year)
  • Superior Protection Plan: from $117 (1 year)
  • Platinum Protection Bundle: from $260 (1 year)
  • All with Expert Pre-Claim Legal Services
Quote and Buy Now
Renew Your CRES Policy

Your real estate errors and omissions options for Rhode Island give you so much more protection than the competition!

✅ Base Protection Plan with the lowest price for those with no income in the last 12 months from activities requiring a real estate license:
$100,000/$500,000 coverage – from $64 (one year)

✅ Superior Protection Plan  with up to 40X more protection in individual coverage areas:  $100,000/$500,000 coverage – from $117 (one year)

✅ Platinum Protection Bundle with the broadest coverage, most popular options, and highest limits at a bundled price for those who need it: $500,000/$500,000 or $1 million/$1 million coverage limits – from $260 or $360

From 8 to 40 Times More Coverage in EVERY CRES E&O Plan

All real estate professionals in Rhode Island are required to have Errors and Omissions insurance — so why not get the most protection for your money!

Every CRES E&O plan is guaranteed to meet 100% of Rhode Island requirements — and guaranteed to meet or beat the coverage of the competition, and includes our highly rated Pre-Claim Legal Services to help you prevent claims.

Compared to the competition, every CRES plan includes an incredible amount of coverage:

Base Protection Plan and Superior Protection Plan                                                The Competition

  • $100,000 Pollution/Environmental/Mold (40X more coverage included)                                                —  vs Add $30 for $2,500 
  • $100,000 Lockbox Property Damage (20X more coverage)                                                                         —  vs $5,000
  • $100,000 Escrow Disputes                                                                                                                                             —  vs Not Covered
  • $50,000 Data Breach Notification Coverage                                                                                                         —  vs Not Covered
  • $30,000 Subpoena Coverage                                                                                                                                      — vs Not Covered
  • $20,000 Per Disciplinary Proceeding  (8X more coverage included)                                                          — vs Add $30 for $2,500
  • Conformity to other states where you’re licensed                                                                                                  — vs Add $30
  • Agent-Owned Property sales of vacation or rental properties to 4-plex (with requirements)           — vs Not Covered
  • Pre-Claim Legal Services                                                                                                                                                  — vs No Help Pre-Claim
  • Firm/Franchise coverage                                                                                                                                                  — vs Firm coverage only
  • First Dollar Defense (no out-of-pocket costs when your claim involves only defense costs)
Optional Coverages
  • $100,000 Open House and Showings coverage – just $8
  • $250,000 Open House and Showings coverage – just $11
  • Pollution/Environmental (including mold) to $500,000) – just $4
  • Fair Housing/Discrimination Defense and Damages to the policy limit – just $8
  • $25,000 Seller’s Protection Plan coverage to help win more listings – just $5
  • Defense Outside the Limits (adds another limit for defense costs equal to policy limit) – just $8
Platinum Protection Bundle includes ALL coverages above, and adds all of the options:


  • $500,000/$500,000 or $1 million/$1 million coverage limits
  • Pollution/Environmental (including mold) to policy limits ($500,000 or $1 million)
  • Open House and Showings coverage to $250,000
  • Fair Housing/Discrimination Defense and Damages to the policy limits
  • Sellers Protection Plan to $25,000 to help you win more listings
  • Defense Outside the Limits

Rhode Island Department of Business Regulation (RIDBR) requires only a one-year E&O policy, so why pay more?

And now, you won’t pay extra to cover any activities for which a real estate license is required.

Your CRES Real Estate E&O + ClaimPrevent® includes PRE-CLAIM access to local expert real estate attorneys – for questions, writing or reviewing letters and addendums, contract review, and more — to help you actually PREVENT claims. It also includes . . .

  • Conformity Endorsement coverage — if you’re a Rhode Island resident, this endorsement amends your Rhode Island policy to conform to E&O requirements of other states where you hold a valid real estate license.
  • 25 Free CRES Building Permit History Reports (a $99.95 value), included with your policy each year, with discounted pricing on additional reports. Save $1000 on your out-of-pocket claims cost when you provide a Permit to the buyer.  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.
  • PLUS, our Rhode Island E&O has ALWAYS included:  no out-of-pocket costs when a claim has only Defense costs (“First Dollar Defense”), Firm and Franchise Coverage, and Prior Acts coverage for as long as you’ve maintained continuous real estate E&O insurance (with any company).

With CRES, You Get Significantly More Coverage — and More Extras!

CRES is a FAR better protection option than the competition for most licensees in Rhode Island. And we guarantee that a CRES E&O policy will meet or exceed 100% of RIDBR requirements.

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

As required by RIDBR, our policies cover all real estate activities requiring a license.  Our online enrollment process is now simpler. Try it out!  (Cover your Appraisal or Transaction Coordinator activities with a separate policy.)

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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

Defense Costs Outside the Limit – just $8

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

*Pricing comparison as of 1-31-22 and shows comparisons between the CRES base per-claim coverage and the competitor’s base coverage.  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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