Estate agents & Property Letting/ Management insurance from under £10 a month

A lot of your working life is spent at other people’s properties so it’s important that you cover yourself in case you accidentally damage a client’s building. Public liability also covers you if a member of the public injures themselves while in your office. For example, if they fall on a slippery floor and break their ankle. If they make a claim, this insurance would cover your costs.

Public liability will also pay for the replacement of locks and keys to the properties on your books in the event of theft from your office, so you and your clients can sleep easy.

We can offer cover from £1 million to £10 million.

If there is an insured event such as flood or fire in your office and the space becomes damaged, buildings insurance can help you minimise your losses. It can pay for the repairs, including debris removal and any architects’ fees, or reinstatement. This could also include if you rent the office and have fixtures and fittings like fixed shelving or kitchens.

Equipment breakdown cover (for items forming part of the building) is included as standard, so if equipment breaks down and you need to repair or replace items, this policy will cover the costs. Equipment could include boilers and fire/burglar alarms, and the breakdown must not be due to wear and tear.

If your office becomes unusable due to an insured event like a fire or flood, business interruption covers the extra cost of setting up somewhere else, so you’re able to still set up viewings and complete deals. If you’ve insured your office, we’ll also cover the loss of turnover you might face while you move premises.

Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.

But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways:

Recover financially

• Covering loss of business income if your systems are attacked
• Covering recovery costs, like fixing damage to your computer systems or data restoration
• Covering fines (where insurable by law) and compensation costs.

Recover your reputation

• You get access to public relations and crisis management experts to minimise damage to your brand and business.

Recover your systems and help prevent future incidents

• Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

Read more on Cyber cover here.

Available on new and renewal policies only. For Retail and Office & Professional customers only.