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.
CURRENT POLICY PERIOD
Individual Licensee Coverage
Individual Enrollment Form (Prorated): Purchase insurance through the group program for individual (rather than firm) licensees with an individual effective date after January.
Endorsement Request Form for Current Insureds: Request to add an endorsement for an individual (rather than firm) licensee who is already enrolled in the current group program.
Backdate Request Form: Request to backdate the inception of your individual policy period up to 90 days from the date we receive the completed request form and applicable premium. The carrier reserves the right to deny requests to backdate, Requests to backdate, if granted, do not cure failure to comply with state law, so your state regulatory body may still issue fines and penalties.
Firm Licensee Coverage
Firm Enrollment Form (Prorated): Purchase insurance through the group program for firm (rather than individual) licensees with an individual effective date after January.
Endorsement Request Form for Firms: Request to add an endorsement for an firm (rather than individual) licensee who is already enrolled in the current group program.
If your previous coverage expired January 1, and you have any break before your new inception date, you will have a break in coverage and lose any previously established retroactive date, which results in loss of 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 did not renew timely, you may qualify for reinstatement of your coverage for 90 days after your coverage has expired. Until March 31, you may request a January 1 effective date by mailing a check or money order for your premium payment with a completed Backdate Request Form. The carrier reserves the right to deny requests to backdate. Additionally, backdating does not cure failure to comply with state law, so you may still be subject to state regulatory penalties and fines.
After March 31, if you would like to request to backdate coverage a maximum of 90 days, please refer to the Prorated Premium Chart to determine the correct amount to send with your Backdate Request Form. Always pay your premium on time to avoid a break in coverage, protect yourself from uncovered claims and avoid penalties and fines.
The program referenced herein is underwritten by Continental Casualty Company, a CNA insurance company. This information is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the products and services offered. Only the applicable policy can provide the actual terms, coverages, amounts, conditions, and exclusions, which may be subject to change without notice. In the event of a claim, the nature and extent of coverage is determined based upon the claim’s facts, circumstances, and allegations and application of the relevant policy’s terms, conditions, and exclusions. The E&O program described herein is only available in Iowa. CNA is a registered trademark of CNA Financial Corporation. Copyright © 2016 CNA. All rights reserved.