Illinois Realtors® Errors & Omissions Insurance Program

Steps to Take in the Event of a Claim

You should report not only claims, but incidents as well. An incident is any situation in which you are concerned that a claim may occur.

Here’s how to ensure the fastest possible response to your incident or claim:
When you’re notified of a claim or become aware of an incident, and you need immediate advice or assistance, call your local CNA claims specialist or 1-877-732-5444.

Report your incident or claim as soon as possible by emailing your completed claim form to

Or mail to:
Victor O. Schinnerer & Company, Inc.,
Attention: Real Estate E&O Claims
Two Wisconsin Circle
Chevy Chase, MD 20815-7022.

With respect to claims, all principals and staff members involved in the claim should be prepared to document the circumstances surrounding the allegation. Your written report to CNA should include the following:

  1. Your firm’s name and address
  2. Your policy number
  3. Date, time and location of the situation
  4. Brief narrative description of the allegation against you
  5. Name of person or entity making the claim
  6. Amount of demand, if known
  7. Any lawsuit papers or legal proceedings
  8. Any other pertinent documents or correspondence, including newspaper accounts

If the claim or incident involves a traumatic situation, take photographs of the claim site if possible. Amateur photos taken promptly are more valuable than professional photos taken at a later date.

Consult your local CNA claims specialist before you agree to attend any conferences arranged for the specific purpose of discussing the situation.

Do not sign or accept release from any parties without first obtaining approval from your CNA claims specialist.

Keep all pertinent letters of agreement for services, correspondence and memoranda.

Accept all letters, memoranda and suit papers without comment or argument. Do not admit liability and do not attempt to place blame.