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 '13

Optional Coverages '13


Extended Reporting

Excess Coverage

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To obtain coverage, mail your completed Enrollment Form along with premium payment to RISC or select the “Enroll Online” option to enroll with a Visa or MasterCard.  If you are enrolling after the original renewal period, you may refer to the Prorated Premium Chart to determine the appropriate amount to pay.


If you already purchased insurance through the 2013 Tennessee group policy, your coverage doesn’t expire until January 1, 2015.  If you are unsure whether or not you have already enrolled in the 2013 group program, please contact RISC at 1-800-637-7319, ext. 1

 Individual Licensee Coverage
January 1, 2013 - 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.

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 Licensee Coverage
January 1, 2013 - January 1, 2015

Enrollment Form (Prorated): Please use this form if you want to purchase insurance for a firm licensee through the group program.



If your current coverage expires 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 your desired effective date online, please contact RISC immediately and see if you qualify for reinstatement of your coverage back to the inception of the policy period. Reinstatement will eliminate a break in coverage and loss of your Retroactive Date. 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.