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

Starts at just:


Enjoy these included CRES Exclusives:

  • 5 Times the Coverage Per Claim — $500,000/$500,000 Limits
  • 8 to 100 Times the Coverage in 5 key areas
  • 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 Nebraska state E&O program includes. Why? Because we’ve specialized in protecting real estate professionals for over 20 years. We’re the underwriter, and we know this upgraded coverage is key to covering the risks you face.

Per NREC, if your NE license needs to be renewed this year by November 30th, your E&O coverage must also be purchased by the same deadline.

5 Times the Coverage Per Claim – up to 10 Times the Protection in These Key Areas for Less Cost Than the State Plan

CRES State Program
$500,000/$500,000 limits $100k/$300k
Legal Advisory Services included 7 days a week No help pre-claim
$500,000 policy limit for Lock Box Property Damage $100k/$300k
$100,000 Environmental/Pollution/Mold $20k/$40k
$50,000 Cyber coverage Not offered
$20,000 – $50,000 Disciplinary Hearings coverage $5k
Agent-Owned SFRs to fourplex Limitations

Plus you can offer Seller’s E&O to gain more listings and boost commissions for just an additional $5. Your first additional listing will pay for your entire year’s Nebraska E&O!

  • Enjoy 5 times the coverage for individual claims to $500,000 (compared to the state program)!
  • Plus Legal Advisory Services 7 days a week — on-call local real estate attorneys will help you through any situations to help prevent claims and lawsuits.  These experienced legal experts guarantee a response within 4 hours or next business day, with recommendations confirmed in writing!
  • Lock Box Property Damage to your policy limit (the state covers $100k per claim) – that’s 5 times the coverage!
  • $100,000 in Environmental coverage (including Pollution and Mold) — versus just $20k per claim with the state program — that’s 5 times more coverage!
  • $50,000 in Cyber coverage for client notification costs due to a data/security breach (the state covers only $5k).  Protect yourself from the hackers and scammers that are targeting individual agents.  Get 10 times the protection!
  • $20,000-$50,000 per enrollment period for Disciplinary Proceedings assistance – versus $5k – at least 4 times the coverage!
  • Agent-Owned Property coverage for SFRs up to fourplex
  • Conformity Endorsement coverage — if you are a Nebraska resident, your Nebraska policy will be amended to conform to the E&O requirements of other states where you hold a valid real estate license.
  • PLUS, our Nebraska policies have ALWAYS included:  No out-of-pocket claims costs where only attorney fees are paid, Firm and Franchise coverage, and Prior Acts coverage for as long as you’ve had continuous E&O coverage.  Your CRES E&O also includes coverage for ALL Activities that require a license.


  • 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 reduce your out-of-pocket claims costs by $2500!  A CRES Exclusive

For most licensees in Nebraska, CRES offers you FAR better protection than the State program — for LESS cost. Real estate E&O is all we do — and has been for more than 20 years.  We include SIGNIFICANTLY MORE coverage than the Nebraska state program because we know your business depends on it.

With your CRES Real Estate E&O + ClaimPrevent® policy, local expert real estate attorneys are on call 7 days a week to help you.  They’ll handle your questions, write or review letters and addendums on your behalf, review contracts, and more.  We want to help you actually PREVENT claims.

You may be eligible for CRES E&O even if you have past complaints or claims.

Customize your E&O policy to cover just the activities you’re involved in.  As required by NREC, 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 $24.

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*Comparison as of 10-15-19 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

Defense Outside Limits Add $8
Seller’s E&O Coverage Add $5
Pollution/Environmental Coverage ($500K) Add $4
Open House/Showings Liability Add $8
Increase Limits to $1M/$1M Liability Add $16
Fair Housing/Discrimination Defense and Damages Coverage to Limits Add $8
Appraisers Add $8
Mortgage Brokering Add $4
Cyber Liability Expanded Coverage Add $35

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.

Video Transcript

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