Personalised insurance for estates agents and property management

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.

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