Colorado Real Estate Errors & Omissions (E&O) Insurance

Deadline to Renew: January 1, 2017

Starts at just:

$190

a savings of $54* vs. the state program.

Enjoy these included CRES Exclusives:

  • More Coverage — $500,000/$500,000 Limits
  • Cyber Liability  $50,000 in coverage
  • Seller’s E&O — $25,000 in coverage
  • Legal Advisory Services — access to on-call local attorneys 7 days a week for questions, letters, contract review
  • 25 Free Building Permit History Reports each year

Guaranteed to meet all state requirements – and far EXCEED what the State E&O program includes. Proof of coverage is electronically sent to DORA.

A Better Choice for Lower-Risk Real Estate Licensees: Where You Pay Less

CRES is a better option than the Colorado State program for most licensees – because the State program takes everyone, but CRES focuses on lower-risk licensees who primarily perform residential real estate services. Because our risk is lower, we can keep our costs low – and include more coverage and services you won’t get with the State program.

Your CRES Real Estate E&O + ClaimPrevent™ policy includes access to local 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 may be eligible even if you have past complaints or claims.

With CRES, you’ll enjoy MORE COVERAGE – and MORE INCLUDED SERVICES:

  • Legal Advisory Services – Call on our team of local expert attorneys, available 7 days a week, to help you proactively resolve small issues before they turn into big problems. A CRES Exclusive
  • Cyber Liability – Coverage up to $50,000 to hire experts and notify clients due to a data breach.
  • Seller’s E&O coverage Learn more
    You’ll attract more listings with $25,000 in Seller’s E&O coverage to protect your clients! A CRES Exclusive
  • Get an extra $50,000 in Seller’s E&O with a CRES Qualified Home Warranty from Fidelity National Home Warranty or First American Home Warranty Corporation (FAHW). Learn more
  • 25 Free CRES Building Permit History Reports (a $99.95 value), included with your policy each year, with discounted pricing available on additional reports. A CRES Exclusive
  • $500,000/$500,000 limits – plus a separate $500,000 limit for defense costs.
  • $1,000 deductible – that can be eliminated by using CRES Qualified Home Warranties. And no deductible for claims where only attorney’s fees are paid.
  • Higher included coverage limits than the State program for Lockbox Property Damage, Escrow Disputes, Fair Housing/Discrimination, Subpoena Response, and Disciplinary Proceedings Assistance.
  • Covers agent-owned residential property, not just primary residence.

Only pay for what you do. As required by CREC, our policies cover all real estate activities requiring a license. Our base pricing is for Residential services. If you have received compensation for Commercial services in the past 12 months just add $22 — still less than the State program.

As a lower-risk licensee, you SHOULD pay less. Why not get your real estate E&O in place today – and enjoy more coverage and services, for the lower price you’ve earned.

*Comparison as of 10-12-16 based on base policy cost for licensees performing activities requiring a license. Savings comparison assumes online purchase where state program charges a $5 convenience fee and CRES does not. Read each policy for a full comparison of coverage and benefits. All coverage is subject to Underwriting and other qualifications. The E&O Deductible Reduction applies to any real estate licensed Real Estate Agents Alliance Purchasing Group (REAAPG) member who personally pays for the Home Warranty Plan. Seller’s E&O coverage and other benefits are feature based and warranty specific. These benefits are offered by, and intended for, the members of REAAPG. Not available in all states. Certain restrictions apply.

Low Cost Optional Coverage

Pollution/Environmental to Limits Add $4
Open House/Showings Liability Add $8
Increase Limits to $1M/$1M Liability Add $15
Conformity Endorsement Add $15

CRES vs. State Program

Watch our video to learn why you get more for less with CRES. Watch our video to learn why you get more for less with CRES.

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