Additional E&O Insurance Required for Kentucky, Mississippi, Nebraska, and Tennessee – Real

If you are licensed in Kentucky, Nebraska, Mississippi, or Louisiana, you must purchase your own E&O insurance to stay compliant with State Law. This is a state requirement and is not covered by Real.

State	Requirement	How to purchase
Kentucky	ALL Kentucky agents must purchase Kentucky RISC E&O coverage PRIOR to completing onboarding. Real does not cover your E&O Insurance.	Purchase RISC E&O Coverage here. Email a copy of the policy and/or payment receipt to kybroker@therealbrokerage.com and onboarding@therealbrokerage.com
Mississippi	ALL Mississippi agents must purchase Kentucky RISC E&O coverage PRIOR to completing onboarding. Real does not cover your E&O Insurance.	You can purchase a policy here. Discuss with your Broker - msbroker@therealbrokerage.com
Nebraska	ALL Nebraska agents must purchase Kentucky RISC E&O coverage PRIOR to completing onboarding. Real does not cover your E&O Insurance.	You can purchase a policy here. Discuss with your Broker - nebroker@therealbrokerage.com
Tennessee	Effective 1/1/2025, you cannot transfer your license to Real until proof of E&O Insurance is received. ALL Tennessee agents must purchase RISC E&O coverage PRIOR to completing onboarding. Real does not cover your E&O Insurance. TREC rules state that agents may purchase other coverage but it MUST be the same or equivalent to the state policy which has a $1,000 deductible, REAL's policy does not meet that requirement. So we are directing agents to purchase an individual policy to meet that requirement and REALs policy will be a secondary insurance for TN agents.	Purchase RISC E&O Coverage here. Email a copy of the policy and/or payment receipt to: kybroker@therealbrokerage.com and onboarding@therealbrokerage.com

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