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

Deadline to Renew: January 1, 2018

Starts at just:


a savings of $71* 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
  • Open House and Showings — $100,000 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.


  • 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.
  • $20,000-$50,000 per enrollment period for Disciplinary Proceedings Assistance.
  • 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 retention (out-of-pocket claims expense) – that can be eliminated by using CRES Qualified Home Warranties. And no out-of-pocket claims expense 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, and Subpoena Response.
  • 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.

Renew Your Policy

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*Comparison as of 9-11-17 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 Out-of-Pocket Cost (Retention) 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.

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Low Cost Optional Coverage

Increase Limits to $1M/$1M Liability Add $15
Conformity Endorsement Add $15
Appraisers Add $8
Mortgage Brokering Add $4
Defense Outside Limits Add $8

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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