Estate agent insurance

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Estate agent handing over keys to couple  in their new home

Why is estate and letting agent insurance important?

Our policies go beyond professional indemnity insurance. Negligence claims and client losses are common risks for estate agents, but accidental injuries, damage, equipment theft, and employee disputes also affect thousands of businesses like yours. Estate agent insurance can provide cover options for all of these and more, depending on what you need.

  • letting agent insurance with £50,000 to £5 million professional indemnity cover
  • peace of mind, letting you focus on the listings, not the what-ifs
  • cover for the essentials from the contents of your office to legal expenses


What does estate agency insurance cover?

From the people you work with to the equipment you rely on, all these factors are important when choosing an estate agency insurance policy. We let you decide, usually starting with professional indemnity insurance and building in any other cover you need. Whether it’s public liability or an employee risk, we’ll help you find the right fit.


Insurance for estate agents – how much does it cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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Example estate agent insurance quotes, real prices

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What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers’ liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.


How it works

Pick what goes into your policy

Get prices from a range of insurers

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

Example claim

Having estate agents’ insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.

Arthur saved more than £2,600

Arthur (not his real name) opened his office premises to find heavy rainfall had leaked into the property, damaging the fronting and ceiling. The buildings cover he’d added to his estate agent insurance covered the repair costs.


Chosen by nearly 1 million small businesses and landlords


Estate agents insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about letting agent insurance. You can also check out our business insurance FAQs.

The exact insurance you’ll need depends on your business, the clients you work with, and other variables that come with being a lettings agent.

Professional indemnity insurance is a key cover for thousands of letting agents, protecting against claims for negligent professional errors. You can add it to a broader business insurance policy that includes cover for things like accidents, injuries, and damage to your laptop, or buy it as a standalone policy.

Professional indemnity insurance (PI for short) can cover estate and letting agents for common professional risks. You’re usually providing an advisory service, so incorrect or poor advice, delays, failures in duty of care, or negligence and other risk factors can result in extremely expensive claims, if the claimant can prove you’ve caused them a financial loss.

Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re an estate agent, you may also be qualified to provide mortgage advice – you’ll need additional cover for this, but you can have it all on the one policy.

When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.

Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions


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