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

Deadline to Renew: January 1, 2017

Why Pay More for Less?

Starts at just:

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

Compare CRES Colorado E&O with the state program

$500K / $500K Limits Exceed CREC Minimum Coverage

Includes:  $1,000 Deductible • Seller’s E&O Coverage • Fair Housing/Discrimination Defense and Damages • First Dollar Defense • Agent-Owned Property • Risk Management Agent Pre-Paid Legal Services • Coverage for Prior Transactions • Lockbox Coverage • Megan’s Law • Firm and Franchise Coverage • Escrow Disputes • Separate Limit for Defense Costs • Cyber Liability • Building Permit History Reports • Subpoena Response Coverage • Disciplinary Proceeding Assistance

Proof of coverage sent directly to DORA


How do we keep rates low? Risk Management.

Over the past 10 years we have spent over $5.5 Million to assist real estate licensees before an E&O claim is filed. Why? Because the least expensive claim is the one that is prevented. Preventing problems up-front helps all of us.
Thanks to your diligence, we are able to expand our program to consider licensees with complaints or claims. Just one more reason to stop paying more, for less!
  • Our policy is guaranteed to meet 100% of CREC requirements.
  • Includes $500K/$500K limits. A CRES Exclusive
  • Backed by “A” rated, admitted carrier.
  • Proof of coverage is electronically sent directly to DORA.
  • Optional protection available for injuries or damages that may occur during Open Houses, showings or other selling activities. Just $8
  • Per CREC requirements, our E&O policy covers all activities requiring a license, including Commercial during the upcoming year.
  • Our base price includes licensed activities. You only pay an additional fee if you’ve performed other activities (Commercial, Appraisals, Property Management, Mortgage Brokering, etc.) in the past 12 months.
  • 25 FREE Building Permit History Reports (a $99.95 value) are included with your policy with discounted pricing available on additional reports. A CRES Exclusive.
  • We cover prior transactions just like the state group program.

Additional Valuable Benefits:

Seller’s E&O coverage    Learn more
Our policy includes Seller’s E&O that provides $25,000 in coverage to protect your clients, a value added benefit that you can use to get more listings!  A CRES Exclusive
Risk Management – Access to our team of local expert attorneys, who are available 24/7 to proactively resolve small issues before they turn into big problems. A CRES Exclusive
Qualified Home Warranties – Protect the buyers, eliminate your E&O deductible, and get an extra $25,000 in Seller’s E&O with a CRES home warranty from Fidelity National Home Warranty or First American Home Buyers Protection Corporation.
Reduce Permit Claims Risk    Learn more
Help reduce your liability and E&O claims by showing buyers the presence or absence of permits with our Building Permit History Reports. Your policy comes with 25 reports (a $99.95 value). Order more at a discount anytime. A CRES Exclusive


*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.
“CRES is more than just saving money. They have always provided me with friendly, professional service and get me the answer I need quickly. They really care about me.”
– Mary S., Real Estate Agent

Low Cost Optional Coverage

  • Add $4Pollution/Environmental to Limits
  • Add $8“Open House/Showings”
 Bodily Injury
    and Property Damage
  • Add $15Increase Limits to $1M/$1M Liability
  • Add $15Conformity Endorsement
  • Add $22Commercial Sales
  • Add $60Full Prior Acts Coverage

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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