South 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

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 – and far EXCEED what the State E&O program includes

Get 5 to 20 Times the Protection in These Key Areas for $37* Less

CRES E&O                                       versus State Plan
$100,000/$500,000  $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 Environmental/Pollution/Mold (10x the coverage!) $10k/$20k
$50,000 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/$5k
Sale of Agent-Owned Vacation/Rentals to fourplex State Plan has primary residence with conditions

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.

And now, one rate covers all of your activities that require a real estate license.  Also included . . .

  • Team/Non-Licensed Assistant coverage
  • Conformity Endorsement coverage — if you’re a South Dakota resident, this endorsement amends your South Dakota policy to conform to E&O requirements of other states where you hold a valid real estate license.
  • PLUS, our South Dakota E&O has ALWAYS included:  No out-of-pocket claims costs for claims where only legal fees are paid, Firm and Franchise Coverage, and Prior Acts Coverage for as long as you’ve had continuous real estate E&O coverage (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 South Dakota.  We guarantee to meet or exceed all SDREC  requirements.

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

As required by SDREC, our policies cover all real estate activities requiring a license.  Enrolling online is now much simpler!

***Reminder: Once you complete your purchase, you’ll need to email the SD Real Estate Commission notification of your proof of coverage to***

Renew Your Policy

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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.

Renew Your Policy

Quote and Buy Now

***Reminder: Once you complete your purchase, you will need to email the SD Real Estate Commission notification of your proof of coverage to***

Low Cost Optional Coverage

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

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