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A woman looking at properties through an estate agents window.

Business Insurance for Estate Agents

As a director of an estate agency, you’re trusted to handle transactions, manage tenancies and protect client assets. But one misstep like a misleading listing or an injury during a viewing can quickly turn into a claim.

That’s where our free business insurance health check helps. We’ll review your current cover, highlight any gaps or overlaps, and make sure your insurance actually fits how your agency operates.

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Why estate agents choose us for their commercial insurance

We work with owner-managed estate agents across the UK, typically with up to £5 million turnover. Whether you focus on sales, lettings or both, we’ll take the time to understand your day-to-day operations and build a policy that reflects your actual risks.

This is the benefit of working with a specialist commercial broker like us. We offer expert advice, flexible cover options and a personal service that’s hard to find elsewhere.

Case study: How we helped a consultancy client improve cover and save money

An independent financial advisory firm based in London came to us after receiving a renewal quote of £21,000 from their existing broker.

The policy included £500,000 of professional indemnity (PI) cover and directors’ and officers’ (D&O) insurance, but they weren’t confident it would reflect how their business would evolve. We carried out a free business insurance health check to identify opportunities.

The results speak for themselves:

Increased professional indemnity cover for £1 million (up from £500k).
Maintained directors’ and officers’ cover.
Reduced the premium to £12,485 (a 40% saving).

We’re pleased to have got stronger protection in place for a reduced premium, giving them confidence that their insurance supports their work, reputation and plans for growth.

What your estate agency cover can include

We tailor every policy around the way your business works, whether you’re a single-branch agency or manage multiple teams across locations. Cover can include:

Professional indemnity insurance: Covers legal defence and compensation if you’re accused of negligence, mis description or mishandling tenancy terms.
Public liability insurance: Protects against injury or property damage claims during viewings, valuations or meetings at your office.
Employers’ liability insurance: Legally required if you employ anyone. Covers illness or injury claims from your team.
Office and equipment insurance: Covers phones, laptops, key safes, files and office contents from theft, damage or fire.
Cyber insurance: Helps with recovery and costs linked to data breaches, fraud or hacking.
Legal expenses insurance: Covers costs for disputes over deposits, contracts, debt recovery or employment issues.

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Speak to us about our commercial insurance

Our tailored business insurance policies for estate agents ensure you get the right protection at the best price. Fill in your details below and our experienced Commercial Team will be in touch with you shortly.

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