Specially designed cover to help protect your business

As an estate or letting agent, you have a range of exposures including your employees and premises, through to potential litigation from clients. Having estate and letting agent insurance is an important consideration for all aspects of your business.

Gallagher is the industry approved supplier of insurance for Propertymark, the leading regulator of letting and estate agents in the UK. Our team of specialists can help you with estate and letting agent insurance that’s designed specifically for the risks your business faces.

We pride ourselves on our smooth process and can usually provide a quotation and place cover in a single phone call.

What is estate and letting agency insurance?

Estate and letting agency insurance (also known as real estate agent insurance or estate agent insurance) is designed to specifically cover the many risks associated with the estate and letting industry. As well as protecting you against operational issues of running an office such as physical damage to your premises or equipment, estate and letting agency insurance offers cover that is specific to the activities of your business. This could include cover for an injury sustained by a client during a property viewing, or protection against a claim from a client who may be unhappy with your service.

What does estate and letting agent insurance cover?

When considering letting agency insurance and estate agent insurance, it is important to include traditional business insurance as well as covers specifically designed for the activities of your agency. Like any business, you may run into operational problems from time to time. In events such as these, your insurance can help your business get up and running again.

For estate or letting agents, there can also be risks of litigation and reputational damage due to the nature of the work you undertake. Sometimes a client may be unhappy with the service they have received and may wish to pursue a claim against you, for example, if a troublesome tenant has caused them a financial loss. Estate or letting agency insurance could cover you for legal and other expenses involved in defending a claim against your business. Inclusion of Fidelity cover is also a consideration as it can protect your business against the impact of employee theft.

While our estate and letting agency professional indemnity insurance has been designed to cover the specific risks associated with running this type of business, we also provide a range of other business covers such as Employers’ Liability (which is a legal requirement), Public Liability and Cyber Liability insurance.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

What are the advantages of our letting and estate agent insurance for Propertymark members?

Propertymark members can benefit from a Gallagher product that has been developed with Hiscox, and designed solely for letting and estate agents.

Our insurance for estate agents and letting agents is designed to suit businesses of any size – including start-ups and sole traders. It includes flexible cover limits and bespoke wordings, and all wording is written to meet Royal Institution of Chartered Surveyors (RICS) requirements and adheres to the standards of cover as set out by Propertymark.

  • Designed specifically for lettings and estate agents
  • Developed with Hiscox, an international specialist insurer
  • Inclusion of Fidelity up to £250k as standard*
  • Discount of up to 20% on Professional Indemnity and Office Insurance**
  • Interest-free monthly payment option
  • Cover for start-ups

How do I make a claim on my estate or letting agent insurance?

Should you need to make a claim on your letting or estate agent insurance, please call us in the first instance – our in-house claims team is here to help. We will work closely with the insurer’s legal and claims teams and support you through the claims process from start to finish. We understand the importance of getting back to business as quickly you can and will endeavour to resolve the claim on your estate or letting agent insurance as soon as possible.

Propertymark Members Insurance

  • Designed for lettings and estate agents
  • Created in partnership with Hiscox
  • Inclusion of fidelity up to £250k as standard*
  • Cover for start-ups included

*Policy limits and exclusions may apply, please see policy wording for full terms and conditions.

**The 20% discount is provided by Hiscox and only applies to the Professional Indemnity and Office product with Hiscox. The promotional period is 13.08.2020 – 12.08.2021. The discount is applicable at both new business and renewal and is deducted from the premium at point of sale as against the premium prices quoted by Hiscox for non Propertymark members. Only current Propertymark members are entitled to the discount. Proof of membership to Propertymark may be required. Claims history may affect eligibility. Arthur J. Gallagher Insurance Brokers Limited or Hiscox have the right to revoke or amend this offer at any time.


  • Propertymark Insurance Team