RISC Rice Insurance Services Company, LLC
Specializing in Mandated Real Estate Errors & Omissions Insurance
We put the Experience and Options in E&O programs 

 

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Iowa

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.

ONLINE FAQ 

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 OR RENEW ONLINE

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. 

Mailing Address:
Rice Insurance Services Company, LLC
PO Box 6709
Louisville, KY 40206

Overnight Address:
Rice Insurance Services Company, LLC
4211 Norbourne Blvd
Louisville, KY 40207

 

Individual Licensee Coverage
January 1, 2014 - January 1, 2015

Enrollment Form: Please use this form if you are an individual (rather than a firm) licensee and want  to purchase insurance through the group program effective for January.

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.

Endorsement Request Form for Current Insureds: Individual licensees who are enrolled in the current group program and wish to add an endorsement(s) to their policy must use this form.

Request to Backdate: Use this form if you would like to 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
January 1, 2014 - January 1, 2015

Enrollment Form: Please use this form if you are an individual (rather than a firm) licensee and want  to purchase insurance through the group program effective for 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.

Request to Backdate: Use this form if you would like to 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.

 

IMPORTANT NOTICE:

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.