Professional Indemnity Insurance for Estate Agents

Your clients rely on you to help them in the buying process, but have you invested in the right protection for you?

Why choose Hensure for PI insurance


Personal Service

Our business is not a call centre, but instead provides a personal service and dedicated team to assist with your queries.


Experienced Team

Our team has a wealth of experience and knowledge to help you and your business get the most appropriate cover for your needs.


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Our full 24/7 quote and buy facility allows you to run a personalised quotation, at a time that suits you and your business.

Why professional indemnity insurance for Estate Agents makes sense.

Claims against Estate Agents are on the increase (Estate Agency News). The act of marketing a sellers property and negotiating with prospective buyers or tenants can generate situations where a client may feel that you haven’t delivered your agreed service. Even with the legal side for transactions being carried out by solicitors, clients may aim their criticisms at the Estate Agent.

Consequently, associations such as the NAEA (National Association of Estate Agents) and The Association of Residential Letting Agents (ARLA) have stipulated that Estate Agents need to have a PI Insurance policy in place before they can join. PI cover for Estate Agents will protect them against claims for misrepresentation and mis-selling.

Even if Estate Agents do not wish to become members of The National Association of Estate Agents (NAEA), or The Association of Residential Letting Agents (ARLA), most firms would consider Estate Agents Professional Indemnity insurance to be sensible risk management.

If you require further information or advice on any aspect of professional indemnity insurance for estate agents, please contact us today.

Professional indemnity insurance for Estate Agents. PI insurance cover.

  • Company Size – the overall size of the firm, based on total turnover, is taken into consideration.
  • Type of business – what is the division of annual income derived from each discipline that the Estate Agent is involved in? E.g., what proportion of the work is residential or commercial estate agency? Is there any involvement with Property Management or letting?
  • Qualifications – Insurers will want confirmation of sufficient experience and qualifications to carry out the role.
  • Contract size – with reference to large contracts, insurers will be interested in the extent of the recruitment consultant responsibilities and whether they are adequately resourced.
  • Claims – if there is a history of PI claims then this usually reflects the quality of the consultant, their staff and their internal risk management.
  • Overseas Exposure – insurers are interested in knowing if the recruitment agent deals with clients overseas due to the potential litigious nature of dealing with clients in those particular countries.
  • Retroactive Exposure – does the practice have an exposure to claims in the current firm or a former practice arising from past work?

A typical Professional Indemnity Insurance policy for Estate Agents will normally cover the following areas:

  • Breach of Civil Liability
  • Negligent act, error or omission
  • Negligence of sub-contractors
  • Irrecoverable fees
  • Bodily injury or property damage arising from breach of professional duty
  • Defence costs
  • Unintentional intellectual property rights infringement (other than patents)
  • Unintentional breach of confidentiality
  • Unintentional defamation
  • Loss of third-party documents or data
  • Computer virus transmission
  • Court attendance costs
  • Breach of estate agents' legislation
  • Ombudsmen awards

Your policy coverage may vary between insurer.

Professional Indemnity

  • Professional Indemnity provides cover for claims that arise as a result of the work you have completed or advice you have given.

Public Liability

  • Public Liability provides cover should members of the public receive an injury or property damage due to your work. This protects your business should a compensation claim be made, also covering any legal costs that result from this.

Employers’ Liability

  • Employers’ Liability provides cover for compensation claims and associated legal costs, arising from employee injury or work-related illness.

Cyber Insurance

  • Cyber Insurance provides support in the event of cyber-crime and unintentional data breaches, offering cover against the cost of revenue and fines.

Directors and Officers

  • Directors and Officers insurance policies protect you financially against any claims that are made against you personally in your position as a director, partner or officer of your business.

Legal expenses insurance

  • If you were involved in a legal battle, knowing that any money you spend on legal bills would be reimbursed could make all the difference. Legal expenses insurance does just that. It ensures that your business remains financially stable after a legal case by helping to compensate the business for incurred costs.


Contact us to find out more about the right cover for your business.

Contacted Hensure regarding Public Liability and PI insurance. So glad I did! Rhian was so professional, friendly, and helpful. Definitely recommend anyone to contact them first.

Jackie Skeer, Skeer Building Consultancy Ltd

PI insurance – Everything you need to know

Professional Indemnity Insurance covers legal expenses incurred in defending a claim against you, even if the claim is false. It will also cover the compensation awarded, should they win their case, and the cost of any losses that they incurred as a result of your negligence.

If your business ceases operations, there is still a chance that a claim could be made against you in the future. PI Insurance can provide run-off cover to ensure that these claims are still covered and you are still protected.

You can buy short-term PI Insurance cover, but it comes with a significant risk that must be considered.

Professional Indemnity Insurance works on a claims made basis, meaning that the insurance policy that you hold at the time the claim is made is responsible for the claims and any associated costs. If you cancel the policy after your contract has ended, and a client then makes a claim against you after this time, you do not have any insurance to cover this and will be solely liable.

You must hold insurance at both the time the incident occurs, and the time that the claim is made, to be protected.

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R K Henshall & Co Ltd, The Grove, Mill Lane, Wheelock, Sandbach, Cheshire CW11 4RD.

Copyright © Hensure | Hensure Business Insurance Consultants is a trading name of RK Henshall & Co Ltd. RK Henshall & Co Ltd are authorised and regulated by the Financial Conduct Authority. Registration Number: 308865. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, A.Brown FCCA. Company Secretary: A.Brown FCCA. Written quotations, policy terms, conditions and exclusions are available on request. Privacy policy, Cookie policy, Terms, Complaints Procedure, Consumer Duty Statement

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