North Dakota Real Estate Errors & Omissions (E&O) Insurance

Deadline to Renew: December 31, 2020

Starts at just:


a savings of $37* vs. the state plan

Enjoy these included CRES Exclusives:

  • $100,000 / $500,000 Limits
  • 5 to 20 Times the Coverage in 5 key areas
  • Legal Advisory Services — 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. Why? Because we’re experts at protecting real estate professionals – and we know what coverages you really need.

8 to 20 Times the Protection in Key Real Estate Specific Areas

CRES E&O                                                     versus State Plan
$100,000/$500,000  (plus a separate $500,000 for Defense costs) $100k/$500k
Pre-Claim Legal Services 7 days a week No help pre-claim with State Plan
$100,000 Lock Box Property Damage (20x the coverage) $5k/10k
$100,000 Pollution/Environmental/Mold (10x the coverage) $10k/$20k
$50,000 Cyber coverage for notification costs due to a data breach (10x the coverage) $5k
$30,000 Subpoena coverage (12x the coverage) $2.5k
$20,000 – $50,000 Disciplinary Hearings coverage (8x the coverage) $2.5k
Sale of Agent-Owned Vacation/Rentals to fourplex State Plan has primary residence only

New! One rate now covers all of your activities that require a real estate license.

Your CRES Real Estate E&O + ClaimPrevent®  includes access to local expert real estate 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’ll also enjoy:

  • Team/Non-Licensed Assistant coverage
  • Conformity Endorsement coverage – if you are a North Dakota resident, this endorsement amends your North Dakota policy to conform to E&O requirements of other states where you hold a valid real estate license.
  • PLUS, our North Dakota E&O has ALWAYS included:  No out-of-pocket claims costs for claims where only legal fees are due (“First Dollar Defense”), Firm and Franchise Coverage, and coverage for Prior Acts for as long as you’ve maintained continuous real estate E&O insurance (with any company).


  • 25 Free CRES Building Permit History Reports (a $99.95 value), included with your policy each year, with discounted pricing available on additional reports.  Provide a Report to a buyer and eliminate your out-of-pocket claims costs (a $1000 savings)!  A CRES Exclusive

CRES is a FAR better protection option than the state plan for most licensees in North Dakota.  CRES E&O is guaranteed to meet or exceed all NDREC  requirements.

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

As required by NDREC, our E&O covers all real estate activities requiring a license.  Try our new simplified online enrollment!

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*Comparison as of 10-15-20 based on base policy cost for licensees performing activities requiring a license. 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
Open House/Showings Liability Add $8
Pollution/Environmental Coverage ($500K) Add $4
Fair Housing/Discrim. Defense & Damages Add $8
Cyber Liability Expanded Coverage Add $35