Rhode Island Individual Mandatory Real Estate E&O Insurance

Deadline to Renew: April 30, 2021

Starts at just:


(Rhode Island now only requires a 1-year policy, so why pay more?)

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 – eliminate your out-of-pocket claims costs

Guaranteed to meet all state requirements. Plus, CRES E&O + ClaimPrevent® far EXCEEDS what competitive programs include.

4 to 20 Times the Protection for Specific-to-Real-Estate Risks — and less cost to you!

No extra charge to cover all licensed activities!  And getting your policy online is now faster and easier!

CRES E&O                                          versus The Competition
$100,000/$500,000 $100k/$500k
Pre-Claim Legal Services 7 days a week No help pre-claim, or limited
$100,000 for Lock Box Property Damage (20x the coverage!) $5k/$10k
$100,000 Environmental/Pollution/Mold (40x the coverage at no extra cost!) Add $30 for $2.5k/$5k
$50,000 Data Breach Notification Coverage Not Offered
$30,000 Subpoena coverage (6x the coverage!) $5k
$20,000 – $50,000 Disciplinary Hearings coverage (4x the coverage!) $5k
Fair Housing Defense Add $30
Agent-Owned Property Sales of Vacation/Rental Properties up to fourplex Not Covered

Just $114 for a one-year policy.  Rhode Island Department of Business Regulation (RIDBR) requires only a one-year policy, so why pay more?

And now, you won’t pay extra to cover any activities for which a real estate license is required.

Your CRES Real Estate E&O + ClaimPrevent® includes PRE-CLAIM 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. It also includes . . .

  • Team/Non-Licensed Assistant coverage
  • Conformity Endorsement coverage – if you are a Rhode Island resident, this endorsement amends your Rhode Island policy to conform to E&O requirements of other states where you hold a valid real estate 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. Save $1000 on your out-of-pocket claims cost when you provide a Permit to the buyer.  A CRES Exclusive
  • PLUS, our Rhode Island E&O has ALWAYS included:  no out-of-pocket costs when a claim has only Defense costs (“First Dollar Defense”), Firm and Franchise Coverage, and Prior Acts coverage for as long as you’ve maintained continuous real estate E&O insurance (with any company).


CRES is a FAR better protection option than what the competition offers for most licensees in Rhode Island.

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

As required by RIDBR, our policies cover all real estate activities requiring a license.  Our online enrollment process is now simpler. Try it out!

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*Pricing comparison as of 1-8-21 and shows comparisons between the CRES base per-claim coverage and the competitor’s base coverage.  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
Pollution/Environmental Coverage ($500K) Add $4
Open House/Showings Coverage Add $8
Fair Housing/Discrimination Defense and Indemnity Add $8
Cyber Liability Expanded Coverage Add $35
Defense Outside Limits Add $8

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