Estate Agent Insurance Broker

Compare estate agent insurance

Protect your estate agency from a range of liability claims with get indemnity.
Select the covers for your estate agents insurance and receive quotes from the wholesale market.
As a specialist estate agency insurance broker we can identify a range of options to meet your needs.

Estate Agent Insurance

Compare protection available for letting and estate agencies with a digital insurance broker

Businesses that arrange the selling, renting, or management of properties are exposed to a number of risks in the performance of their responsibilities. Compare estate agent insurance online with a digital broker get indemnity and ensure your agency continues to purchase appropriate cover at the most affordable premium.

    What is estate agent insurance?

    Estate agent insurance provides tailored solutions designed to meet the needs of businesses engaged in the sale, rental or management of property.

    The coverage purchased will typically include:


    There are a range of business insurance solutions available to mitigate financial risks and protect your agency from unforeseen events.

    Do estate agents require professional indemnity insurance?

    Most professional bodies in the property industry require their members to have adequate professional indemnity insurance.

    This includes the National Association of Estate Agents (NAEA), the National Approved Letting Scheme (NALS), and the Association of Residential Letting Agents (ARLA).

    Although your agency will aim to carry out its functions error free, mistakes can unfortunately occur. Allegations with or with merit can have significant financial consequences, if you are unfortunate enough to become the target of litigation.

    Estate agents professional indemnity insurance will protect against a failure to exercise reasonable skill and care in provision of professional services.

    Estate agents are prone to insurance claims arising from:


    Negligent advice

    Over / under estimating a sale price

    Failure to manage the sale procedure

    Misrepresentation Defamation Marketing errors

    How are estate agents activities measured by risk?

    Estate agent insurance can provide cover for a wide range of property professionals, including letting agents, property managers and surveyors. The below professional activities are identified as carrying varying degrees of risk:


    > Lower risk activities

    >  Arranging residential property sales
    >  Arranging residential property lettings
    >  Arranging commercial property sales
    >  Arranging commercial property lettings


    > Medium risk estate agent activities

    >  Rent reviews
    >  Arranging insurance
    >  Arranging mortgages
    >  Planning and development consultancy
    >  Energy Assessments


    > Higher risk estate agent activities

    >  Residential surveying & valuation
    >  Commercial surveying & valuation


    Please complete our online application to apply for a range of estate agent insurance available from the wholesale market. Quotes are typically made available within 48 hours.

    How much professional indemnity insurance?

    As a member of the National Association of Estate Agents (NAEA), the minimum level of cover is £100,000. If you are a residential letting agency the minimum is £150,000, unless your annual fee income is over £150,000, then you require at least £500,000.

    However, it is worth considering the above minimum limits can be woefully inadequate if you get entrenched in a legal dispute.

    Maintaining adequate estate agent insurance is important because you may need to rely on the limits available to mount a defence. If you would like to discuss your individual circumstances, please contact us.

    How are estate agents regulated in the UK?

    With evolving regulation, it makes operating as estate agent increasing difficult. Individuals and business rely on the services provided to make significant financial decisions.

    The Estate Agents Act (1979) regulates your work as an estate agent. Its purpose is to make sure that you act in the best interests of your clients and that both buyers and sellers are treated honestly, fairly and promptly.

    The Office of Fair Trading is responsible for the working and enforcement of the law under the Consumer Protection from Unfair Trading Regulations (2008). While the National Trading Standards Estate Agency Team (NTSEAT) is a regulatory body which aims to protects clients interests.

    In addition, since 2008 residential estate agents are required to belong to a dispute resolution scheme dealing with complaints. Such as the Property Ombudsman (TPO) scheme.

    How to compare estate agent insurance quotes online?

    Estate agencies can achieve cost savings on their renewal by comparing their existing insurance against quotes from the wholesale market.

    As a specialist estate agent insurance broker, we continue to see reductions in premiums for estate agency insurance. Driven mainly by insurer competition for agencies with a lower risk exposure.

    To obtain your quotes for estate agent insurance please complete our online application. Terms from wholesale insurers are typically available within 48 hours.

    What other estate agent insurance to consider?

    As a digital insurance broker, you can apply for a range of estate agent insurance online. We offer a number of covers that can offer protection in case of an unforeseen event.


    Property Damage Insurance

    Cyber Insurance

    Business Fleet Insurance 

    We can offer a wide variety of business insurance covers to meet your insurance requirements via our online application. If you would like to discuss, please contact us.


    Compare Estate Agents Insurance Online

    This guide is for information purposes and based on sources which we believe are reliable, the general risk management and insurance information is not intended to be taken as advice with respect to any individual circumstance and cannot be relied upon as such.