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



Sample Policy '14

Optional Coverages '14

Brochure '14


Extended Reporting

Excess Coverage

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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. 

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 (Prorated): Please use this form if you are an individual 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.

Optional Firm Coverage
January 1, 2014 - January 1, 2015

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 expires January 1, you should request an effective date of January 1 to 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 missed timely renewal and cannot obtain a January 1 effective date online, you may request to backdate your individual effective date to January 1 within 90 days of the inception of the current group policy period.  To request to backdate your coverage to January 1, we must receive a completed reinstatement form and full annual premium payment via check or money order by March 31. The carrier reserves the right to deny any request to backdate coverage. If granted, this will eliminate a break in coverage and loss of your Retroactive Date. However, this procedure will not remedy failure to comply with state law, so the Commission may still assess penalties and fines.

If you would like to request that the carrier backdate the inception of your individual policy period a maximum of 90 days after March 31, please contact us for the correct form. Always pay your premium on time to avoid a break in coverage and to protect yourself from uncovered claims and noncompliance with licensing requirements.