Female real estate agent conducting a property walkthrough in a modern, open-plan luxury living room with a couple.

Real Estate Agent Insurance

Professional indemnity and liability cover for real estate agents, property managers, and buyer's advocates across Australia

500+

Agents Covered

$1,100

Starting Premium

24h

Certificate Turnaround

Recognition

Access to Australia's leading insurers and underwriting agencies, including:

Most real estate agents can get a quote online in minutes. The challenge is knowing whether that quote actually covers what you do.

Get a Quote Call 02 9000 1155

Matched Coverage

We work with specialist insurers to find policies that match your actual activities—from sales and property management to buyer's advocacy—not just what's easiest to quote online.

Market Access

For smaller agencies and sole operators, we manually compare multiple markets to find the most competitive pricing without sacrificing the breadth of your professional indemnity cover.

PORTFOLIO PROTECTION

What we cover

We help real estate agents and buyer's agents find cover across the main policy types:

Covers claims arising from your professional advice or services, such as allegations of misleading conduct, errors in contracts, or failure to disclose material facts about a property.

Covers third-party injury or property damage claims. This is particularly relevant for open homes, property inspections, and client meetings.

Combines multiple covers like public liability, contents, and business interruption into a single policy. Useful for agencies with office premises or equipment.

Real estate agents handle sensitive client data and are often involved in high-value transactions. If your email is compromised or client data is breached, the losses can be significant.

For agencies with employees, this covers risks like unfair dismissal claims, workplace disputes, and other employment-related issues.

PLACEMENT ARCHIVE

How we've helped

Recent placements for real estate professionals across Australia.

01 Real estate agency needing PI and PL

A Sydney-based real estate agency doing both property sales and property management needed $1M Professional Indemnity and $5M Public Liability. They had around $500,000 in annual revenue and a small team. We compared quotes from Dual, QBE, Vero, Woodina, and Prorisk.

THE RESULT:

The combined PI and PL policy through Woodina came in at just over $1,100, which was more competitive than buying the covers separately.

02 Buyer's agent seeking better pricing

TECHNICAL ANALYSIS

What we look at when quoting

When we quote for real estate agents, we ask about:

Your activities: sales only, property management, leasing, buyer's advocacy, or a mix

Whether you work in residential, commercial, or both

Your annual revenue or expected revenue if you're just starting out

Number of staff, if any

Any claims history or circumstances that might give rise to a claim

The limits of cover you need, which may be set by your licence requirements or contracts

Your activities: sales only, property management, leasing, buyer's advocacy, or a mix

Whether you work in residential, commercial, or both

Your annual revenue or expected revenue if you're just starting out

Number of staff, if any

Any claims history or circumstances that might give rise to a claim

The limits of cover you need, which may be set by your licence requirements or contracts

KNOWLEDGE BASE

FAQs

01 Do real estate agents need Professional Indemnity insurance?

Yes, in most states. Licensing requirements vary, but real estate agents in NSW, Victoria, Queensland, and most other states are required to hold PI insurance as a condition of their licence. Even where it's not mandatory, it's strongly recommended given the advice-based nature of the work.

02 What's the difference between Professional Indemnity and Public Liability?

Professional Indemnity covers claims arising from your professional advice or services, like allegations that you misrepresented a property or made an error in a contract. Public Liability covers third-party injury or property damage, like a visitor tripping at an open home. Most agents need both.

03 Does my cover need to include property management?

If you manage properties, yes. Property management carries different risks to sales, including handling tenant disputes, maintenance issues, and trust account management. Your insurer needs to know about these activities to ensure you're covered.

04 Why would a real estate agent need cyber insurance?

Real estate agents handle sensitive client information and are involved in large financial transactions. Email compromise scams targeting property settlements are increasingly common. If your systems are breached or a client loses money due to a cyber incident involving your business, cyber insurance can help cover the costs.

05 How much does real estate agent insurance cost?

It depends on your activities, revenue, claims history, and the limits you need. A sole operator doing sales only might pay $1,000 to $1,500 for combined PI and PL. Larger agencies with property management and staff will pay more. We can give you a clearer estimate once we know more about your business.

Professional real estate agent in a suit presenting property documents to a couple in front of a modern luxury house.

Get a quote

If you're looking for real estate agent insurance, or you're not sure whether your current policy covers what you actually do, get in touch. Call us on 02 9000 1155 or request a quote online.

Request Quote →

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