Actual Division



Division

All of the professions regulated by the Division of Real Estate, except subdivision developers and appraisal management companies, are required to have errors and omissions (“E&O”) insurance.

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The primary result of mitosis and cytokinesis is the transfer of a parent cell's genome into two daughter cells. The genome is composed of a number of chromosomes—complexes of tightly coiled DNA that contain genetic information vital for proper cell function. Because each resultant daughter cell should be genetically identical to the parent cell, the parent cell must make a copy of each. Tom Clancy's The Division is an action role-playing game set in an open world mid-crisis Manhattan with destructible environments that can be freely explored by the players. The player's mission is to restore order by investigating the source of a virus. The Division of Real Estate protects the consumer through the licensing, regulation and enforcement of licensed real estate professionals. We aspire to create a balance between consumer protection and promoting a fair and competitive business environment.

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  • For real estate brokers, mortgage loan originators, and real estate appraisers, the Division is required by law to contract with an insurer for a group policy. You are not required to procure your coverage from the group insurer, but you do need to ensure that the coverage you obtain from a different insurer meets the limits set by the applicable board or commission rule. You also need to be aware that depending on the activities that you are engaged in, e.g. property management, an additional rider to the base coverage may be necessary. Most E&O policies expire on December 31.
  • In addition to E&O insurance, mortgage loan originators are required to have a surety bond in compliance with Board Rule 2.19. (Effective January 1, 2021 the surety bond requirements are codified in Rule 2.6.)
  • Appraisal Management Companies must post a $25,000 surety bond with the Board of Real Estate Appraisers in compliance with Board Rule 17.14.

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If you fail to renew your insurance, the Division does conduct E&O audits to prevent uninsured professionals from practicing licensed activities. If you fail to maintain an active policy, your license will be placed on inactive status. Depending on the type of license, you may be charged a fee to activate your license and you will be required to provide proof of insurance coverage