Insurance for Real Estate Agents & Property Services

Real estate professionals work in a fast-paced, high-value industry where reputation, accuracy, and trust are everything. Whether you’re a real estate agent, property manager, buyers’ advocate, valuer, or property services provider, you face unique risks every day. A small mistake in paperwork, a dissatisfied client, or an unexpected accident at a property can turn into a costly claim.

At Design Cover Insurance Brokers, we specialise in insurance for real estate agents and property services. Our tailored solutions protect your professional advice, your clients, your staff, and your business—so you can focus on helping people buy, sell, and manage property with confidence.

Why Real Estate Professionals Need Insurance

The real estate and property services industry is highly regulated and client-facing. With high financial stakes and a heavy reliance on professional advice, even the most experienced professionals can face allegations of negligence or disputes. Common risks include:
- Professional mistakes – Errors in contracts, misrepresentation, or inaccurate valuations.
- Public liability incidents – Clients or third parties injured at an open home or property inspection.
- Business risks – Office contents, loss of income, or cyber threats impacting your operations.

Insurance provides the safety net you need to continue operating with peace of mind, even if the unexpected happens.

Core Insurance Covers for Real Estate Agents

Professional Indemnity Insurance

Professional indemnity is a critical cover for real estate agents, property managers, and valuers. It protects against claims of professional negligence, breach of duty, or misrepresentation that cause financial loss to a client.

Examples of claims include:
- Failing to disclose property defects.
- Errors in contracts of sale or rental agreements.
- Incorrect rental appraisals or valuations.
- Misleading advertising or marketing materials.

Even if claims are unfounded, the cost of defending yourself can be significant. Professional indemnity insurance ensures you have expert legal defence and financial protection.

Public Liability Insurance

As a real estate professional, you spend time with clients at properties, offices, or events. Public liability insurance covers you if a third party is injured or their property is damaged as a result of your business activities.

Examples include:
- A client trips at an open home you’re hosting.
- A property inspection leads to accidental damage.
- A tenant alleges injury due to your negligence.

Without public liability cover, you could face legal costs and damages that threaten your business and personal assets.

Business Insurance for Real Estate Firms

Running a successful real estate or property services business involves more than just client interaction—you also need to protect your office, systems, and people. Business insurance can include:
- Contents & Office Insurance – Covers computers, furniture, and office equipment.
- Business Interruption Insurance – Provides financial support if your operations are disrupted.
- Cyber Liability Insurance – Protects against cybercrime, phishing, and data breaches.
- Management Liability Insurance – Covers directors and managers against regulatory investigations or employment disputes.

A tailored business pack ensures your day-to-day operations are protected from unexpected disruptions.

Insurance for Property Managers

Property managers deal with multiple parties—landlords, tenants, contractors—and handle sensitive financial transactions such as rent collection and bond management. This exposes you to unique risks:
- Claims of negligence for not maintaining a property adequately.
- Disputes with tenants over bond refunds or repairs.
- Accusations of discrimination in tenant selection.

Professional indemnity and public liability are essential, supported by cyber cover for managing tenant databases and financial records securely.

Insurance for Real Estate Valuers & Buyers’ Agents

Valuers and buyers’ agents provide advice that directly influences property purchases and investments. A small error in judgment can have serious financial consequences. Professional indemnity is vital to protect against claims of incorrect valuations, misleading advice, or failure to act in a client’s best interest.

Public liability also applies, especially if you’re inspecting multiple properties on behalf of clients.

Risk Management in the Real Estate Industry

At Design Cover Insurance Brokers, we go beyond just policies. We work with real estate firms to improve risk management practices, helping reduce exposures and protect client relationships.

This includes:
- Reviewing contracts to identify liability exposures.
- Advising on cyber security protocols for client databases.
- Ensuring compliance with industry regulations.
- Supporting workplace health and safety practices.

Our proactive approach means fewer risks and smoother claims processes.

Why Choose Design Cover Insurance Brokers

Choosing the right insurance partner makes all the difference. At Design Cover, we offer:
- Specialist Knowledge – We understand the real estate and property services sector.
- Tailored Insurance Programs – Customised cover for agents, managers, and valuers.
- Claims Advocacy – Support and guidance from start to finish when a claim arises.
- Independent Broker Advantage – We negotiate with leading insurers to secure the best outcome for you.
- Long-Term Partnership – Protecting your business today and supporting your growth into the future.

Claims Examples

To illustrate how cover works in practice:
- Professional Indemnity Claim: An agent was sued for not disclosing known water damage in a property sale. Professional indemnity insurance covered the legal defence and settlement.
- Public Liability Claim: A client tripped on a staircase during an inspection. Public liability covered medical expenses and compensation.
- Cyber Liability Claim: A property manager’s email was hacked, leading to fraudulent rent transfers. Cyber insurance covered recovery costs and client compensation.

Secure Your Real Estate Business Today

The real estate industry is dynamic, rewarding, and fast-paced. But it’s also filled with risks that can threaten your hard-earned reputation and business stability. With professional indemnity, public liability, and business insurance, you can focus on growing your real estate practice while we safeguard your future.

👉 Ready to protect your real estate business?

📞 Call us today on 0419 550 677
📧 Email: hello@designcover.com.au

Let Design Cover protect what you’ve worked hard to build. Get in touch today for a personalised insurance solution built for Australian Real Estate Agents.