Insurance for estate agents

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

Low monthly payments, no extra charges

Professional indemnity and public liability up to £2m

Change or cancel anytime

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Answer 4 simple questions to get an instant price.
Answer 4 questions to get a price.
Insurance for estate agents.
Insurance for estate agents.
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Priced in a Jiffy
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The problem

Real estate and letting agents face many risks

Industry regulation non-compliance

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

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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.

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?

Failing to comply with regulations

As a letting 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.

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

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Insurance simplified

Our mission is to see small business insurance done fast, clear, upfront and painless.  

4 step quote

Save time by getting a price after four questions.

Buy online

Get insured anytime. Manage cover from your DIY portal.

Top insurers

Sleep well knowing your cover is backed by trusted UK insurers.

Pay as you go

Keep money in your pocket. Pay monthly, no APR or fees.

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Holiday mode

Pay less when not working by hibernating your PI cover.

UK call centre

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

covers to consider

What insurance do estate and letting agents need?

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

Professional indemnity

Provides you with legal defence against claims of professional misconduct, saying the wrong thing or breach of copyright.

Public liability

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

Business owner protect

Reimburses business expenses if you become seriously ill or injured and can't work.

Finding the right cover

Why is professional indemnity insurance for estate agents important?

Estate and letting 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 and letting 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 or letting 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.

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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 or letting agents also exist and they actively encourage unhappy clients to initiate a case against their estate or letting agency.

How does professional indemnity insurance protect estate and letting 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.

Choosing limits

How much PI insurance do estate agents need?

The property ombudsman as well as the scheme your business is a member of 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.

Business legal protect
Included with your insurance

When you decide to protect your business with Suited we want you to get more than just insurance. That's why with every policy subscription we include Business Legal Protect. From the moment you sign up you gain access to extra support services which are all part of our price.

£100k of legal cover
  • IR35 & HMRC investigations
  • Legal matters concerning your business
  • Negative PR (£25,000 cover)
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)
Telephone helplines
  • Free tax advice
  • Free commercial legal advice
  • Counselling for you and your staff
  • Access to a legal template library
  • Identity theft assistance

How much does estate and letting agent insurance cost?

Price depends on many factors including business activity, the cover you choose and the level of protection (also known as the limit). With Suited you can mix and match covers and limits. Below are some cover examples, but you will be able to build your own.


Business activity

Estate and letting agency


per month


per month


per month

Professional indemnity

Our core cover, to protect you and your business if you make a mistake in the course of your work, say something wrong about a client, or are accused of being negligent and your client says it has cost them money.


Business Legal Protect

Commercial legal expenses insurance there to protect you and your business from commercial disputes, legal claims, IR35 investigations, HMRC enquiries, criminal prosecutions, negative PR and identity theft. It also offers free and confidential tax, legal and counselling assistance whenever you need it.

with professional indemnity
with professional indemnity
with professional indemnity

Public liability

There to protect you as a freelancer, contractor or a small business if, despite doing everything right, a customer or third party accuses you of causing them an injury or property damage.


Business Owner Protect

A business overheads insurance and personal accident for small business owners that lends a financial hand to you, the business owner, if you become too ill to work. It will reimburse your taxable business expenses up to 6 months and pay a lump sum if you suffer a life changing accident.

outgoings per month
outgoings per month
Get a price
Answer 4 questions then select the policies and limits you need.

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 and letting 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.

Once you buy
If your plans change

No problem, with Suited you can flex your insurance as your business evolves.

Free to amend

Save money by not paying extra to change your cover.

Easy to cancel

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


Professional service and a peace of mind

My work contract requires professional indemnity insurance. Suited were quick to call back and very helpful explaining the product to me. Suited offers a trustworthy, professional service and a peace of mind.

Evie Jarecki

Suited was super efficient

Suited was easy to use, to the point, concise, I found everything I was looking for , was covered. The process was efficient and quick. Fast forms to fill in. I think the price was pretty competitive too.

Justin Leo

I was looking for business insurance…

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 in minutes.

Piers Field
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