Estate agents' insurance

Secure estate agents' insurance quickly and without fuss. We're simply-priced, flexible and upfront.

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Professional Indemnity Insurance for Estate Agents
Professional Indemnity Insurance for Estate Agents
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Pay monthly
The problem

Estate agents face many risks

Industry regulation non-compliance

While not directly required by law, you will find that professional indemnity insurance for real estate agents is a must have cover if you wish to operate in the UK property market.

Not making ends meet due to illness

Your business likely relies on the income you earn. If you're out seriously ill, would you have enough reserves to afford regular monthly outgoings?

Damage to property and snappy dogs

There are all kind of pitfalls when showing other peoples property. A pet running straight out of the door and causing damage or an injury is just one example.

Failing to comply with regulations

As an estate agent you have to comply with certain industry regulations. Even when you do everything right, you may find yourself facing an enquiry into your conduct.

Estate agents insurance UK

You need estate agent insurance that's low cost, compliant with industry regulations and protects you against claims of wrongdoing.

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Self-employed insurance done fast, clear and upfront.

Estate agents professional indemnity insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

Covers to consider

How much does estate agent insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers real estate agents should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed professional indemnity insurance

Professional indemnity

from £8.63 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£9.24 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

In detail

Why is professional indemnity insurance for estate agents important?

Estate agents in the UK must be members of an authorised redress scheme and make this clear to their customers. Those schemes have a requirement for estate agencies to hold professional indemnity insurance.

As much as it is a requirement, PI insurance is in fact a very useful cover for any business that provides professional services to their customers. As an estate agent you advise clients on what they should do with their properties, provide certain services to help them secure a sale or a tenant. Those activities can lead to potential disputes with either party if they feel you have failed your professional duty of care.

Often disputes are resolved without going to court for a decision, however, the legal fees to deal with a conflict situation can be still significant. Everybody has heard of injury lawyers but solicitor firms specialising in legal claims against estate agents also exist and they actively encourage unhappy clients to initiate a case against their estate agency.

How does professional indemnity insurance protect estate agents?

The increasingly litigious nature of this industry alone should be a motivation for you to consider this cover and focus on more than just the price. The cost of professional indemnity insurance for estate agents has gone up recently and naturally many business owners are looking to grab the best deal they can.

However, since professional indemnity insurance is a service, it is important you understand who underwrites your cover, what their reputation is with regards to paying claims and how your claim will be handled.

This is what professional indemnity insurance is for - to protect your business against claims of professional mistakes, negligence or breaching duty of care. A legal claim doesn’t just have a financial impact on your bank account. It can also have a profound impact on your personal and business reputation if the local paper gets hold of the story or the unhappy client vents their grievances on social media.

If you choose your professional indemnity insurance provider wisely, you will have an experienced legal team behind you and an insurer who will cover the associated costs including any compensation due. This kind of support goes a long way during a dispute as it can take a considerable amount of time and effort to navigate.

How much PI insurance do estate agents need?

The property ombudsman as well as the scheme of which your business is a member will have specific requirements. Many businesses will adhere to those but there are other considerations when selecting an appropriate limit.

The larger your business and number of clients, the higher the risk of a claim. Remember that sometimes more than one claim can occur within one year and you need to ask yourself whether the limit of your PI policy would be sufficient.

The size of your contracts is also a factor. While you might be limiting your liability in client contracts, you are not immune to claims exceeding this amount. Ensure that the PI limit you select is sufficient for the size of your business.

In this section

Common questions

Do estate agents need public liability insurance?

Unless your business operates completely virtually without physical access to clients or their property, you are likely to need public liability insurance.

Is professional indemnity insurance required by law for estate agents?

Strictly speaking it isn’t but because the property ombudsman and property redress scheme make it a condition of membership, you will need it to do business in the UK property market.

How much does PI insurance for estate agents cost?

Price is usually determined on your turnover, limit and past claims. Suited PI insurance for estate agents starts at just over £7.

What insurance do estate agents need?

Estate agents typically need professional indemnity insurance. Public liability insurance is worth considering if there’s physical contact with the public, clients and their property. Businesses with employees will need employers’ liability insurance. And those who own and rent premises might like to arrange buildings and content insurance.

Contact us
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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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