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Texas Real Estate Errors and Omissions Insurance

Build Your Business and Dazzle Buyers

  • Seller’s E&O Protection Plan helps you win more listings!
  • CRES Building Permit History Reports allows you to show buyers the permits on a property, right on your phone!
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Higher E&O Limits to Protect Your Assets, Prevent Claims

CRES A Gallagher Company is a Texas Association of real estate licensees (TAR) Errors and Omissions Risk Management Partner.

Texas Realtors Risk Management Partner

With CRES E&O + ClaimPrevent®, enjoy more coverage and services for your E&O investment:

  • The most extensive specific-to-real-estate coverage.  Our individual coverages are the key to protecting you and your business from specific-to-real-estate risks.
  • Cover all of your Texas real estate activities. In addition to covering residential real estate sales, you can cover commercial sales or leasing, BPOs, or land sales. (Cover your appraisal and transaction coordinator activities with a separate policy.)
  • Expert Pre-Claim Legal Services included.  Top local real estate attorneys will help you proactively resolve issues before they escalate. You can ask questions, have letters or addenda prepared, get contracts reviewed — and it’s all included in your E&O (with a guaranteed response time!)
  • 25 Free Building Permit History Reports (a $99.95 value). Show potential buyers whether an improvement is permitted, right on your phone — and reduce your out-of-pocket claims costs up to $2,500!  You’ll receive 25 FREE CRES Building Permit History Reports (per policy year) and discounts on additional report purchases.

Your CRES E&O policy is completely portable, so it moves with you no matter what company you’re with.  Isn’t it time you had superior protection and Pre-Claim legal services included?

Why Invest in Your Own Errors and Omissions Insurance?

Your own Texas E&O policy should be customized for your actual real estate activities.  (Many insurance companies use the same E&O policy across industries.  But that doesn’t protect you from many risks specific to real estate.)  And your own E&O policy will protect your assets first:

  • Puts YOUR Protection First, Even When Your Firm’s Policy Can’t. Even if your firm has E&O coverage, if its total claims exhaust the available coverage, you’ll be without coverage should you need it — and legal fees and judgments will come out of your pocket. (Yes, this does happen.)
  • Portable. If you ever leave your company, or it loses coverage (by not renewing or making payments), or is sold or goes out of business, you’ll likely have a gap in coverage.  That will leave you vulnerable and unprotected for your past activities. Having your own individual E&O policy is the only way to ensure continuous coverage — and that the coverage will be there should you need it.
  • Reduce Your Out-of-Pocket Claims Costs. Use a CRES Qualified Home Warranty* to protect the buyers, eliminate your E&O retention (your out-of-pocket claims expense), and get up to an additional $50,000 in Seller’s  Protection Plan coverage.*
  • 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.

Here are a few more critical reasons why you should have portable individual real estate E&O coverage.

Need a policy to cover more than just you?  Learn more about Texas E&O for Real Estate Companies.

Texas Real Estate Individual E&O Policy

  • $500,000 liability limits and a $2,500 Retention (out-of-pocket claims expense limit)
  • Seller’s E&O Protection Plan to help you get more listings (included if Residential Real Estate activity is selected on policy)
  • Open House and Showings coverage to cover injuries or property damage that may occur during open houses, showings or other selling activities
  • Lockbox coverage for injuries and property damage related to your lockbox
  • Pollution/Environmental coverage (including Mold)
  • Fair Housing/Discrimination coverage for defense costs and damages
  • Firms and Franchisors coverage as Additional Insureds
  • Coverage for Attorney’s Fees up to $500,000 (separate limit)
  • “Broad Form” coverage with up to: $30,000 per subpoena, $20,000 per disciplinary proceeding, $25,000 per public relations event, $10,000 per claim for loss of earnings during legal proceedings, $15,000 per claim for non-profit director/officer activities, and $50,000 for cyber liability to hire experts and notify clients due to data breach.
  • Add optional coverage for First Dollar Defense

Get a Quote & Buy Online

Get an online quote any time, buy when you’re ready, and get proof of coverage immediately. If you have any questions, call 858.618.1648 anytime for prompt, personal assistance.

Get More Information

CRES A Gallagher Company is an E&O Risk Management partner with the Texas Association of REALTORS®.

* 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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