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

Deadline to Renew: January 1, 2018

Starts at just:


a savings of $57* vs. the state program.

Enjoy these included CRES Exclusives:

  • More Coverage – $500,000/$500,000 Limits
  • Data Breach Notification Coverage – $50,000 in coverage
  • 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 State E&O program includes.

A Better Choice for Lower-Risk Real Estate Licensees: Where You Pay Less

CRES E&O + ClaimPrevent® is a better option than the South Dakota State program for most licensees – because the State program takes everyone, but CRES focuses on lower-risk licensees who primarily perform residential real estate services. Because our risk is lower, we can keep our costs low – and include more coverage and services you won’t get with the State program.

Your CRES Errors and Omissions policy includes access to local 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 may be eligible even if you have past complaints or claims.


  • Legal Advisory Services – Call on our team of local expert attorneys, available 7 days a week, to help you proactively resolve small issues before they turn into big problems. A CRES Exclusive
  • Data Breach Notification Coverage – Coverage up to $50,000 to hire experts and notify clients due to a data breach.
  • $20,000-$50,000 per enrollment period for Disciplinary Proceedings Assistance.
  • 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
  • $500,000/$500,000 limits – plus a separate $500,000 limit for defense costs.
  • $1,000 retention (out-of-pocket claims expense) – that can be reduced or even eliminated by using CRES Building Permit History Reports. And no out-of-pocket claims expense for claims where only attorney’s fees are paid.
  • Higher included coverage limits than the State program for Lockbox Property Damage and Escrow Disputes.
  • Covers agent-owned residential property, not just primary residence.

Only pay for what you do. As required by SDREC, 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 — still less than the State program.

As a lower-risk licensee, you SHOULD pay less. Why not get your real estate E&O in place today – and enjoy more coverage and services, for the lower price you’ve earned.

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*Comparison as of 9-29-17 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
“Open House/Showings”, Bodily Injury and Property Damage Add $8
Fair Housing/Discrimination Defense and Damages Coverage to Limits Add $8
Pollution/Environmental Coverage Add $4
Increase Limits to $1M/$1M Liability Add $16
Appraisers Add $8
 Mortgage Brokering Add $4
Conformity Endorsement Add $15

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.

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