Insurance for Real Estate Agents – Public Liability, Professional Indemnity & Cyber Insurance
Running a real estate agency means managing properties, clients, and sales — but it also comes with unique risks. From client claims to cyber threats, the right insurance ensures your business is protected when the unexpected happens.
At Design Cover Insurance Brokers, we specialise in insurance for real estate agents and agencies across Australia, with tailored cover including Public Liability Insurance, Professional Indemnity Insurance, and Cyber Insurance. Whether you run a small independent agency or a larger property management firm, our role is to help safeguard your business and give you peace of mind.
Why Real Estate Agents Need Insurance
The real estate industry is fast-moving, client-facing, and highly regulated. Even the most experienced agents and property managers can face unexpected claims or events. Common risks include:
A client or visitor injuring themselves at your office or an open home.
Professional mistakes or advice that leads to financial loss for a client.
Cyber attacks targeting your client data, email systems, or property files.
The right insurance package helps cover the costs of legal claims, compensation, or business recovery — allowing you to focus on running your agency.
Combined Insurance Packages for Real Estate Agents
Instead of managing separate policies, many agencies choose a combined package that includes:
Public Liability Insurance
Professional Indemnity Insurance
Cyber Insurance
This not only simplifies administration but can also reduce premiums. At Design Cover, we specialise in building comprehensive real estate insurance packages to suit your agency’s size, location, and services.
Why Choose Design Cover Insurance Brokers?
With over 20 years’ experience in insurance broking, our team understands the unique risks faced by real estate professionals. When you work with us, you get:
Expert guidance from a broker who knows the real estate industry.
Access to leading insurers across Australia.
Tailored solutions designed specifically for agencies, property managers, and real estate professionals.
Ongoing support with claims, renewals, and policy adjustments as your business grows.
Based on the Sunshine Coast, we proudly work with real estate agents across Australia — from Brisbane to Sydney, Melbourne, and beyond.
Frequently Asked Questions
Do real estate agents need public liability insurance?
Yes. It protects you against injury or property damage claims during inspections, open homes, or office visits.
Is professional indemnity insurance mandatory for real estate agents?
In many cases, yes. Licensing bodies often require proof of professional indemnity insurance before granting or renewing a licence.
How much does cyber insurance cost for real estate agencies?
Costs vary depending on your agency size, the type of data you store, and your IT systems. We’ll compare options to find the best value cover for your business.
Can I bundle multiple insurance types into one package?
Absolutely. We offer combined policies that include public liability, professional indemnity, and cyber insurance — tailored for real estate agencies.
Protect Your Real Estate Business Today
Whether you’re a solo real estate agent or run a growing agency, having the right insurance is critical to protect your livelihood.
At Design Cover Insurance Brokers, we make the process simple. We’ll explain your options, compare policies from trusted insurers, and help you choose the right cover for your business.
Design Cover Insurance Brokers – Protecting Real Estate Agents Across Australia
Public Liability Insurance
Professional Indemnity Insurance
Cyber Insurance
Combined Packages for Agencies
Public Liability Insurance for Real Estate Agents
Public Liability Insurance protects your business if a client, contractor, or member of the public suffers an injury or property damage connected to your work.
For real estate agencies, situations can include:
A client trips over signage in your office.
A visitor slips on a wet floor during an inspection.
Damage caused to a property while conducting an open home.
Without public liability cover, you may be personally responsible for costly claims.
Why it matters
Mandatory for many businesses when signing commercial leases.
Covers legal fees, medical costs, and compensation payments.
Builds trust with landlords, tenants, and clients.
Looking for affordable public liability insurance for your real estate agency? At Design Cover, we work with multiple insurers to find the right policy at a competitive price.
Professional Indemnity Insurance for Real Estate Businesses
As a real estate professional, your advice and services carry weight. If a client believes they’ve suffered financial loss due to an error or oversight, you could face a professional indemnity claim.
Examples of risks include:
Incorrect property appraisals.
Failing to disclose property details to buyers.
Errors in rental or property management contracts.
Misrepresentation of property features or investment returns.
What Professional Indemnity Insurance covers
Legal costs if a claim is made against you.
Compensation for clients’ financial losses.
Investigation and defence expenses.
For many real estate agents, professional indemnity insurance is not optional — it’s essential. In some states and industries, it may also be a licensing requirement.
Ready to protect your agency with professional indemnity insurance? We make it easy to compare policies tailored for the real estate sector.
Cyber Insurance for Real Estate Agencies
Real estate agencies handle large volumes of sensitive data: tenant applications, bank details, contracts, and ID documents. This makes the industry a prime target for hackers and cyber criminals.
Cyber risks for real estate agents include:
Ransomware attacks locking access to property files.
Email scams redirecting rental or sales payments.
Data breaches exposing client information.
What Cyber Insurance can cover
Costs of data recovery and system restoration.
Business interruption losses after a cyber attack.
Legal expenses and regulatory fines.
Client notification and crisis management support.
For real estate businesses, cyber insurance is no longer optional — it’s an essential safeguard.
Want to protect your agency’s digital assets and reputation? Talk to us about tailored cyber insurance policies designed for real estate businesses.