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

Deadline to Renew: December 31, 2019

Starts at just:


a savings of $62* vs. the state program.

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 State E&O program includes. Why?  Because we’re experts at protecting real estate professionals – and we know what coverages you really need.

5 Times the Coverage Per Claim – 8 to 100 Times the Protection in These Key Areas for $62* Less

CRES State Program
$500,000/$500,000 limits $100k/$500k
Legal Advisory Services included 7 days a week No help pre-claim
$500,000 policy limit for Lock Box Property Damage $5k/$10k
$100,000 Environmental/Pollution/Mold $10k/$20k
$50,000 Data Breach $5k
$30,000 Subpoena coverage $2.5k
$20,000 – $50,000 Disciplinary Hearings coverage $2.5k
Agent-Owned SFRs to fourplex Primary residence only

Plus the opportunity to gain more listings and boost commissions with Seller’s E&O — invest just an additional $5. Your first additional listing will pay for your entire year’s E&O!

  • Get 5 times the individual claim coverage to $500,000 (over the state program)! And a separate $500,000 limit for defense costs.  (This same $500,000 coverage would cost you $231 more with the state program.)
  • Plus Legal Advisory Services 7 days a week to help prevent small issues from turning into lawsuits.
  • Lock Box Property Damage to your policy limit (the state covers $5k per claim) – that’s 100 times the coverage!
  • $100,000 in Environmental, Pollution, and Mold protection — versus just $10k per claim — or 10 times the protection!
  • $50,000 in Cyber coverage for client notification costs due to a data/security breach (the state covers only $5k). Individual agents are being targeted by hackers and scammers, and we want you to be protected.
  • $30,000 in Subpoena coverage – versus $2.5k per incident – 12 times the coverage!
  • $20,000-$50,000 per enrollment period for Disciplinary Proceedings assistance – versus $2.5k – at least 8 times the coverage!
  • Agent-Owned Property coverage for SFRs up to fourplex – versus only your primary residence.
  • Conformity Endorsement coverage – if you are 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 policies have 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.  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

CRES is a FAR better protection option than the State program for most licensees in South Dakota. We know the risks when you primarily perform residential real estate services – that’s why we include SIGNIFICANTLY MORE coverage than the state program.

Your CRES Real Estate E&O + ClaimPrevent® policy 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 may be eligible even if you have past complaints or claims.

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.

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

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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.

Renew Your Policy

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***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
Increase Limits to $1M/$1M Liability Add $16
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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