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

Starts at just:


With these included CRES Exclusives:

  • Pre-Claim Legal Services — access to on-call local attorneys 7 days a week for questions, letters, contract review
  • 25 Free Building Permit History Reports each year — to show buyers the permits on a property

Guaranteed to meet all state requirements – and far EXCEED what the Kentucky state E&O plan includes.

8 to 100 Times More Protection for Specific-to-Real-Estate Risks

CRES E&O                                      versus State Plan
$500,000/$1,000,000 limits $100k/$1M
Pre-Claim Legal Services 7 days a week No help pre-claim with State Plan
$500,000 Lock Box Property Damage (100x more coverage!) $5k/$10k
$100,000 Pollution/Environmental/Mold (10x more coverage!) $10k/$20k
$50,000 Cyber coverage Not offered with State Plan
$30,000 Subpoena Coverage (12x more coverage!) $2.5k/$2.5k
$20,000-$50,000 Disciplinary Hearings Coverage (8x more coverage!) $2.5k/$5k
Sale of Agent-Owned Vacation/Rentals to fourplex State Plan has primary residence only (or add $50)

CRES Real Estate E&O + ClaimPrevent® includes Pre-Claim Legal Services 7 days a week.  Local expert real estate attorneys can address questions, write or review letters and addendums, review contracts, and more – to help you actually PREVENT claims.

And now, one rate covers all of your activities that require a real estate license.  CRES E&O also includes:

  • $20,000-$50,000 per enrollment period for Disciplinary Proceedings assistance (8x more coverage than the state plan’s $2.5k)
  • Conformity Endorsement coverage — for Kentucky residents, this endorsement amends your Kentucky policy to conform to E&O requirements of other states where you hold a valid real estate license.
  • Team/Non-Licensed Coverage
  • PLUS, our Kentucky E&O has ALWAYS included Firm and Franchise coverage, and Prior Acts coverage for as long as you’ve maintained continuous E&O coverage.


  • 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

CRES is a FAR better protection option than the State plan for most licensees in Kentucky — and has been for more than 20 years.

As required by KREC, CRES E&O covers all real estate activities requiring a license.

You may be eligible even if you have past complaints or claims.

We’ve even simplified our online enrollment process.

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*Comparison as of 2-28-18 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.

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Low Cost Optional Coverage

Seller’s E&O Coverage Add $5
Defense Outside Limits Add $8
Pollution/Environmental Coverage ($500K) Add $4
“Open House/Showings”, Bodily Injury and Property Damage Add $8
Fair Housing/Discrimination Defense and Indemnity Add $8
Cyber Liability Expanded Coverage Add $35

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