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Personalised insurance for estates agents and property management

Insurance tailored to your business, so you only pay for what you need.

Get a quote Retrieve a quote

or call us on 0345 878 5622

call us on 0345 878 5622
  • Whether you’re leading property viewings or doing admin in the office, we’ll cover you
  • 0% APR on your monthly direct debit payments in the first year and no admin fees if you need to amend your policy. Over 18s only, subject to eligibility
  • We guarantee to beat the renewal premium or quote of any other insurer for all new policies

    Excludes van. Cover on an equivalent basis to ours. Qualifying Criteria Apply. Terms & Conditions.

Build your own insurance policy

Building a successful career in property letting or as an estate agent requires expert judgement and a sound knowledge of your industry. But being relied upon to give helpful recommendations can also have legal implications.

If you make the wrong call or give bad advice to a client, you could find yourself facing a claim. It’s important to have the right insurance in place, so that if this happens you can continue running your business without worrying about expensive legal costs and compensation claims.

If you’re hosting property viewings, it’s also important to cover yourself in case of accidental damage to someone else’s home. If you spill coffee over a client’s carpet or knock over an expensive sculpture, you will be liable for the repair or replacement.

At Direct Line for Business, you can personalise your insurance using our online quote tool to make sure that you’re covered for all aspects of your business. Being able to pick and choose the types of cover you include in your policy also means that you only pay for what you need.

Get a quote
or call us on 0345 878 5622
Get a quote call us on 0345 878 5622

Your cover options

You can include any of the following cover options in your Estate Agents and Property Management Insurance to create an insurance policy that fits your business’s needs. These covers are subject to policy conditions and limits.

  • Professional indemnity

    If you make a mistake, lose confidential documents or give advice that is deemed to be negligent, a client could file a lawsuit against you. Professional indemnity insurance covers any legal and compensation costs you are liable to pay.

    Our professional indemnity insurance meets the requirements of many of the major estate and letting agent professional bodies, including:

    • National Association of Estate Agents (NAEA)
    • Association of Residential Letting Agents (ARLA)
    • National Approved Letting Scheme (NALS)

  • Public liability

    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.

  • Employers' liability

    This covers you if an employee gets injured or becomes ill because of the work they do for you. If they pursue legal action against your business, employers’ liability will cover the compensation. Employers’ liability insurance is a legal requirement if you have employees. You can read more about this, and the exceptions to this rule, on our employers’ liability page.

    At Direct Line for Business, we will cover you for £10 million, as standard.

  • Buildings cover

    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.

  • Contents and stock

    You can cover all your electrical items, equipment, furniture, art and business documents, as well as any stock. We also offer a cover option that allows you to insure items on the go. For example, your smartphone is a key business tool because it allows you to be in constant contact with both your clients and your team back at the office. If it got smashed while you were showing a property, we would cover the cost of the repair or the replacement. So, you would be able to purchase a new phone and be connected to your business as quickly as possible.

  • Business interruption

    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.

  • Theft of takings

    Some customers and tenants choose to pay their rent in cash. This will cover you in case of theft from your premises. This includes business takings stolen from you or anyone working for you.

  • Cyber cover

    Your business requires you to hold a lot of confidential information about your tenants. If you suffer a data breach, our cyber insurance will cover:

    • The costs resulting from cyber crime
    • Defence and compensation costs if you download and subsequently transmit a virus
    • Loss of income following a cyber attack and the cost of investigating a cyber ransom demand
    • Specialist support for public relations and crisis management
    • Access to IT forensics and data recovery experts
    • Identity theft assistance
    • Specialist advice to prevent viruses or hacking attacks in the future

  • Legal expenses

    This pays the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients.

How can we help?

Get a quote, talk to us via live chat or call us on
0345 878 5622.

Visit our contact us page to view our opening hours.

Frequently asked questions

  • QWhat kind of professions does Direct Line for Business cover?

    We provide the following:

    • Estate agents’ insurance
    • Property letting agents’ insurance
    • Property letting managers’ insurance
    • Property managers’ insurance

    Don’t see your occupation listed above? Select your profession on our online quote tool to find out what insurance is available for your business. If you get stuck, give us a call on 0345 8785 622.

  • QAre there any activities you don’t cover?

    We don't cover any manual work, including:

    • property presentation or property styling
    • moving furniture
    • undertaking repairs
    • repairs done by a tradesperson contracted or employed by you

    However, we will cover you when you’re putting up and taking down your company’s For Sale or To Let signs.

Policy documents

View and download policy documents here

Legal Document Service

Included as standard when you buy or renew a policy from 1st February 2016.

Register or log in to Direct Line for Business Legal Documents Service.

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© 1999- U K Insurance Limited

Direct Line insurance policies are underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810. The Financial Services Register can be accessed through www.fca.org.uk. Calls may be recorded.