Specializing in Mandated Real Estate Errors & Omissions Insurance
• We put the Experience and Options in E&O programs •
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Thank you for considering our program. If you have questions about the program or how to purchase coverage, feel free to contact us or select the blue button below for answers to frequently asked questions. Please note we CANNOT accept any payment information over the phone.
Enroll Online: Click on the yellow button below to enroll with your Visa or MasterCard. You may download a certificate of coverage immediately upon completion. If you have any questions during the online enrollment process, call us at (800) 637-7319, ext. 1.
Enroll by Mail: Select the form below that applies to your or your firm’s situation, complete it, and mail the completed form to either of the addresses below with the applicable premium by check or money order made payable to RISC.
Enrollment Form (Prorated): Please use this form if you are an individual (rather than a firm) licensee and want to purchase insurance through the group program effective after January.
Enrollment Form (Prorated): Please use this form if you want to purchase insurance for a firm licensee through the group program effective after January.
If your previous coverage expired January 1, you should request an effective date of January 1. This will ensure that you maintain continuous coverage. Otherwise, you will have a break in coverage and lose any previously established Retroactive Date (for prior acts coverage). If you do not have continuous coverage, your new Retroactive Date will be the effective date of your new coverage. In addition, if you have a break in coverage and are not covered during a period that your license is active, you will not comply with the licensing requirements for your state and your license may be placed inactive and/or other action may be taken against your license.
If you discover that you have missed timely renewal and cannot obtain a January 1 effective date online, you may qualify for reinstatement of your coverage for 90 days after your coverage has expired. If you would like to reinstate coverage to the inception date of the current group policy within the 90-day period (1/1 - 3/31), you may send your premium payment via check or money order in the mail with a Reinstatement Form. Reinstatement will eliminate a break in coverage and loss of your Retroactive Date.
If you would like to backdate coverage a maximum of 90 days after the 90-day reinstatement period has passed, please refer to the Prorated Premium Chart to determine the correct amount to send with your Reinstatement Form. This will avoid a break in coverage and loss of your retroactive date. However, this procedure does not impact the licensee's failure to comply with the mandatory insurance guidelines established by the Commission and you may still be subject to penalties and fines. Always pay your premium on time to avoid a break in coverage, protect yourself from uncovered claims and avoid penalties and fines.