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Tennessee Real Estate Errors and Omissions Insurance

Up to 20 Times More Protection in Key Areas — from $222

Renew by December 31, 2021

  • Expert Legal Services available 7 days a week
  • 25 Free Building Permit History Reports to show buyers the permits on a property
CRES Tennessee Real Estate E&O                                                versus State Group Policy
$100,000/$500,000 $100k/$300k
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
$50,000 Cyber coverage (10x the coverage) $5K
$30,000 Subpoena coverage (12x the coverage) $2.5k/$2.5
$20,000 – $50,000 Disciplinary Hearings coverage (8x the coverage) $2.5k – $5k

Now, you won’t pay extra for any of your Tennessee activities that require a real estate license!

Are you sure you have the most comprehensive Errors and Omissions coverage to protect your business?

CRES E&O + ClaimPrevent® is a better option than the state group policy for most Tennessee licensees:

  • With up to 20 times the coverage in key areas (compared to the state group policy)
  • Guaranteed to meet or exceed  100% of  Tennessee requirements.
  • Team/Non-Licensed Assistant coverage is included.
  • And CRES policies have always included: Firm and Franchise coverage, and Prior Acts coverage for as long as you’ve maintained continuous E&O insurance (with any company).

Your CRES errors and omissions policy also includes access to expert local 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.  Think about how valuable that will be!  We guarantee response within 4 hours or by next business day, and will confirm recommendations to you in writing.

Enjoy More Coverage and More Included Extras 

  • Give your sellers up to $50,000 in Seller’s E&O Protection Plan with a CRES Qualified Home Warranty from First American Home Warranty Corporation (FAHW).
  • 25 Free CRES Building Permit History Reports (a $99.95 value), included with your E&O plan each year, with discounted pricing on additional reports. Provide a Report to a buyer and eliminate your out-of-pocket claims costs (a $1,000 savings)!  A CRES Exclusive
  • $1,000 retention (out-of-pocket claims expense) — can be eliminated by providing a CRES Building Permit History Report to a buyer or purchasing a CRES Qualified Home Warranty*.

As required by TREC, our policies cover all activities requiring a real estate license. (Choose a separate policy to cover your Appraisal or Transaction Coordinator activities.) You may be eligible for CRES E&O even if you have past complaints or claims.

Why not get your real estate E&O in place today — and enjoy more coverage and services specific to your business.

Our online enrollment process is now simplified!

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 $6

$100,000 Open House and Showings coverage gives you protection for bodily injury and property damage – just $9

Fair Housing/Discrimination Defense and Damages (up to policy limits or $500,000) – just $9

Defense Outside the Limitsjust $9

$500,000 Environmental/Pollution (including mold) – just $5


*Comparison as of 10-6-21 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.

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