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E&O Insurance

The Kentucky Real Estate Commission (KREC) no longer collects the Errors and Omissions (E&O) insurance premium for the KREC’s Group E&O Program. If you wish to enroll in the KREC’s Group E&O Program, administered by Rice Insurance Services Company, LLC (RISC), you may now CLICK HERE to enroll through RISC’s website.  

There is a $10 E&O processing fee per licensee collected by the KREC when they confirm your coverage in the KREC’s Group Program.

Contact RISC directly at 502-897-1876 if you have questions about enrollment or the Group Program.

All active Kentucky real estate licensees or applicants for an active license must obtain their E&O coverage directly from an insurance carrier prior to activating and/or renewing a license. E&O coverage can be obtained through the KREC’s Group Program or from a private carrier of your choice, as long as the coverage meets the minimum requirements set forth in 201 KAR 11:220.

If a licensee has a private carrier policy, they must provide KREC with form 203 , Private Carrier Certification of Coverage and the Certificate of Liability Insurance page, as proof of E&O coverage when activating, transferring, or applying for an active license.  This form outlines the minimum requirements and must be signed by an authorized insurance representative. There is a $10 E&O processing fee per licensee which must be included with the form 203