Kentucky Real Estate Agent Errors and Omissions Insurance

Kentucky Licensees Have 2 New Real Estate E&O Plans — both with extensive coverage

Choose from two new real estate agent errors and omissions insurance plans, both with far superior protection in individual coverage areas:

✅ Superior Protection Plan with $400,000 more per-claim coverage than the state group plan, and up to 20X more protection in individual coverage areas:  $500,000/$1 million coverage – from $120 (for one year)

✅ Platinum Protection Bundle with higher limits and the most popular options at a bundled price for those doing higher sales volume: $1 million/$1 million coverage limits – from $360 (for one year)

From 8 to 20 Times More Coverage in EVERY CRES E&O Plan

Every CRES E&O plan is guaranteed to meet 100% of KREC (Kentucky Real Estate Commission) requirements, guaranteed to meet or beat the coverage of the state group plan, and includes our highly-rated Pre-Claim Legal Services. Errors and Omissions insurance is required for all real estate professionals in Kentucky, so why not get the best protection for your money?

Compared to the state group plan, every CRES plan includes far more coverage:

Superior Protection Plan 

• Pollution/Environmental (including mold) to $100,000    —        vs $10k (10x Less coverage)
• Escrow Disputes to $100,000                                                      —        vs $5k (20X Less coverage)
• Cyber Liability data breach notification up to $50,000   —        vs not included
• $20,000 Per Disciplinary Proceeding                                      —        vs $2.5k (8X Less coverage)
• Conformity (for other states where you’re licensed)            —        vs Extra Fee
• $30,000 subpoena coverage                                                      —        vs $2.5k (12x Less coverage)
• Agent-Owned Property sales of vacation or rental homes —     vs Primary Residence or Extra Fee
• Firm/Franchise coverage

Optional Coverage:

• $100,000 Open House and Showings coverage – just $8
• $250,000 Open House and Showings coverage – just $11
• Pollution/Environmental (including mold) to $500,000 – just $4
• Fair Housing/Discrimination Defense and Damages to the policy limit – just $8
• $25,000 Seller’s Protection Plan coverage to help win more listings – just $5
• Defense Outside the Limits (adds a separate limit for defense costs) – just $8
• First Dollar Defense (no out-of-pocket costs if just defense costs) – just $6

Platinum Protection Bundle includes ALL coverages above, and adds all of the options:

• $1 million/$1 million coverage limits
• Pollution/Environmental (including mold) to $500,000
• Open House and Showings coverage to $250,000
• Fair Housing/Discrimination Defense and Damages to the policy limits
• Sellers Protection Plan to $25,000 to help you win more listings
• Defense Outside the Limits
• First Dollar Defense

One low rate covers all of your activities that require a real estate license.  Prior Acts coverage included for as long as you’ve had continuous  E&O coverage (with any company).

CRES Real Estate Agent E&O + ClaimPrevent® gives you access to local expert real estate attorneys to help you PRE-CLAIM!  They’ll handle your questions, write or review letters and addendums on your behalf, review contracts, and more.  (No help from the state group policy until after you have a claim.)

With CRES, You’ll Enjoy Superior Real Estate Agent E&O Coverage — and More Included Extras

• 25 Free CRES Building Permit History Reports (a $99.95 value), included each year, with discounted pricing available on additional reports.  Provide a Report to a buyer to show the presence of permits, and eliminate your out-of-pocket claims costs! A CRES Exclusive
  
• Discounts to Office Depot®, Constant Contact® Email, Lenovo® PC Products, UPS® shipping, even Bekins® and Wheaton Van Lines moving discounts you can offer to your clients.

CRES is a FAR better protection option than the state group policy for most licensees in Kentucky — and has been for more than 25 years.

As required by KREC, CRES E&O covers all activities requiring a real estate license. (Cover Appraisal or Transaction Coordinator activities in a separate policy.)

CRES E&O is guaranteed to meet or exceed 100% of Kentucky State Requirements. You may be eligible even if you have past complaints or claims.

We’ve even simplified our online enrollment process.