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Estate Agents' Insurance
Compare insurance for estate and letting agents
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Bionic specialises in business insurance for small businesses, like estate agents
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What is...
estate agent insurance?
From property viewings to office operations, running an estate agency means juggling plenty of risks. Estate agent insurance helps protect your business from unexpected claims, accidents, and financial losses, giving you the peace of mind to focus on closing deals.
At Bionic, we understand the unique needs of your business. Whether you’re an estate agent, a letting agent, or managing real estate full-time, it’s likely we can help you compare quotes and find the right policy for your needs.
Why do estate agents need insurance?
From selling homes and managing rental properties to supporting landlords, having the right insurance in place is essential. It could help protect your business from issues like:
- A client claims you misrepresented a property
- Your office equipment is stolen or damaged
- An employee gets injured carrying out work for you
Estate agent insurance helps you manage these risks and ensures your business can keep running smoothly.
What does estate agent insurance cover?
At Bionic, we know every estate agency is unique, so we offer a range of cover options to keep you protected. Policies will vary per provider for estate agent insurance, and limits and exclusions apply. Always refer to your policy wording for details. Your insurance package might include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services
Professional indemnity insurance
Protects you if a client claims you’ve provided inaccurate advice or made a mistake in a listing.
Business interruption insurance
To provide compensation if a listed event stops your business from running normally
What type of takeaways does this cover?
Takeaway insurance covers most takeaways, no matter your cuisine. Here are some examples:
- Kebab shops
- Pizza shops
- Fish and chip shops
- Chicken shops
- Indian takeaways
- Chinese takeaways
Takeaway insurance is not suitable for restaurants and cafes that allow customers to eat in. So if you’re takeaway has seating or you offer table service for customers to eat in then you’ll need a cafe or restaurant insurance package instead. This is better tailored to the risks of having an eat-in service.
What doesn’t it cover?
While estate agent insurance provides a wide range of cover, you are likely to see some exclusions, including:
- Intentional damage – Damage caused on purpose isn’t covered.
- Neglect – Losses due to not securing client data, may void your policy.
- General wear and tear – Normal ageing or wear on office equipment or premises is excluded.
Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.
How much does estate agent insurance cover cost?
Because all estate agents are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and prices depend on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.
As an estate agent, do you need car insurance?
Yes, if you’re using your car for business purposes — like driving to viewings or client meetings — you’ll need business vehicle insurance. Remember, regular car insurance doesn’t always cover you for work-related activities. Unfortunately, at Bionic, we can’t cover your vehicle, but it’s likely we can cover your business activities.
"Running an estate agency means managing risks at every turn, but the right insurance can give you the confidence to focus on your clients while staying protected."
James Barwell, Insurance Director
What if I have employees who do manual work?
If you have any employees that do purely manual work, for example – general maintenance, cut grassing or odd jobs. It’s important you make your broker aware when discussing the needs for your policy so they can ensure every employee is covered correctly.
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
FAQs
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Find the right estate agent insurance with Bionic
Whether you’re handling property sales, lettings, or both, protecting your business is key. At Bionic, we cut the jargon and make the process hassle free, so you can focus on serving your clients with confidence.
Our insurance team compare trusted insurers to help you find the one that fits. Start your quote online to compare business insurance quotes, or speak to our UK-based team today.