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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Sample Policy '14

Optional Coverages '14

Sample Policy '13

Optional Coverages '13


Extended Reporting

Excess Coverage

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RISC Rice Insurance Services Company, LLC
· We put the Experience and Options in E&O programs ·


Real Estate E&O Insurance
Kentucky Licensees

NOTE: For information about licensing please contact KREC at
(502) 429-7250 or toll free at 888-373-3300


Not All E&O Policies are the Same

Neither are All E&O Providers


You can be confident we will be here for you even after you purchase coverage.  RISC and Continental Casualty Company (a CNA insurance company) have worked together to provide group E&O programs for more than

10 years.  We administer all aspects of the program, so you will work with one entity throughout the entire process, from obtaining coverage to claims resolution.    




E&O Coverage is About More than Paying a Premium…
It’s Also About

  • Access to seasoned, caring professionals to answer your questions or concerns;

  • Access to experienced local attorneys to defend you against covered claims; and

  • The comfort of knowing your policy won’t be cancelled simply because you have a claim and your provider will be around when you need it most.


Have Questions?  

Call us at 1-800-637-7319 or visit our website at www.risceo.com.  We look forward to hearing from you.

CNA is a service mark and trade name registered with the US Patent and Trademark Office.  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 policy can provide the actual terms, coverages, amounts, conditions, and exclusions. This program is only available in Kentucky. ©2014



What’s the premium for excellent customer service and individual attention when you need it?

Surprisingly low!


Considering Other Providers?
Review the Actual Policy Provisions!

Does the policy provide first dollar defense?  Under the group policy, there is no deductible for defense costs, so there is no cost to the insured unless there is a damage award or settlement. 

Does payment of defense costs reduce the limits of liability?  Under the group policy, defense costs do not reduce the limits of liability, so the full limit of liability is available to pay covered claims, regardless of the amount of attorneys’ fees spent.

If your firm is sued for the acts of one of its licensees, will the firm be insured?  In addition to insuring the licensee, the group policy also insures any real estate firm the licensee represents for vicarious liability for negligence in the licensee’s professional services.  Other policies may not cover the firm if a claim is made against it for services provided by the licensee.

Does the policy apply to claims relating to all types of real property?  The group policy applies to any claim relating to professional services, regardless of the type of property involved.  Other policies may limit coverage to a specific type of property, such as residential.  Even if you currently handle only residential transactions, consider whether you are willing to pass on an opportunity to work with commercial property or farm land or to risk not having coverage for a claim resulting from the transaction.

Does the policy exclude coverage for transactions you do for relatives?  The group policy does not exclude coverage for claims involving services performed for an insured’s parents; grandparents; siblings; aunts; uncles; cousins; children;  domestic partner; or spouse's parents, grandparents, siblings, or children.  This is important, since often, buyers and sellers turn to a trusted relative who is a real estate licensee to represent them in a transaction. 


RISC  Rice Insurance Services Company, LLC
· We put the Experience and Options in E&O programs ·
4211 Norbourne Blvd., Louisville, KY 40207
Phone:  502-897-1876
· Toll-Free:  800-637-7319 · Fax:  502-897-7174 · Website:  www.risceo.com