About RISC



Not All E&O Policies are the Same . . . Neither are All E&O Providers

The Rice family and their colleagues have specialized in state-mandated real estate E&O programs since 1989. We provide the group policies in all 15 states that have group programs and require real estate licensees to maintain insurance. We also provide an independent program in one mandated state. The insurance carrier is Continental Casualty Company, a CNA insurance company, rated A (Excellent) by A.M. Best. CNA has more than 50 years of experience in E&O programs, including over 30 years in real estate E&O. CNA is the top provider of real estate liability insurance, delivering more than 100 years of experience, industry knowledge, and financial strength to manage even the most complex risks.

Rely on the Most Experienced Provider in the Business

We handle all aspects of the program, providing ease and consistency throughout the entire process, from obtaining coverage to claims resolution. With other providers, you may have to contact different companies for different issues, such as purchasing coverage and reporting claims.

When a Claim is Made, Our Claims Adjusters Focus on You

You can be confident we will be here for you even after you purchase coverage. Some people assume insurance companies look for reasons to deny coverage. Our duty to find coverage where the policy supports it is our utmost concern.

Most insurance providers use one entity to sell the policy and another to handle claims. Because we do both, the information we provide about the policy reflects how it will actually apply in the event of a claim. Providers who don’t administer claims may not know how the carrier actually applies the policy when a claim is made.

Our adjusters only handle real estate, appraiser, and mortgage loan originator E&O claims, so they have developed expertise in this field. They are also knowledgeable about retaining experienced defense counsel, when necessary, in all the states where we provide coverage.

We Stand by You Even if there is a Claim

Unlike some providers, we won’t cancel your policy or refuse to renew your coverage simply because you have a claim. Even the most careful professional may make an honest mistake or be the victim of a frivolous claim. Never think it can’t happen to you. We are here to help you if it does.

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 certain states. CNA is a registered trademark of CNA Financial Corporation. Copyright © 2024 CNA. All rights reserved.