Property sales, letting and management insurance

Whether you're a sole trader estate agent, or you run a larger property firm, business insurance should be a top priority.

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Why do you need business insurance?

Estate agents are vital to the smooth running of the property market. Clients rely on you to guide them through the stress of selling and renting properties, or to find and secure their dream home. It can be cut throat and ferocious, and there's plenty that can go wrong. So, if you find yourself in hot water, business insurance is there to bail you out.

A range of covers to meet your needs

Disagreement and disputes

Navigating the ever-evolving property market isn't easy, with client disputes and investigations by the Property Ombudsman on the rise. Common complaints include property misrepresentation, undervaluation and failure to take care of a property. In the event of a legal claim, you'll be faced with legal costs and compensation to pay. Our professional indemnity cover (PI) for estate agents will ensure you're protected. Plus, clients may insist you have it – so it could help you win business (or not lose it!)

GDPR ready

Estate agents have responsibility for a variety of sensitive client data, which makes you a prime target for cyber-attacks and data breaches. And with the GDPR now in force, it's more important than ever to ensure it's safe, with fines of up to €20m or 4% of annual turnover for non-compliance. With cyber security insurance, you're protected for a breach of regulations (where insurable by law), your liability for handling data, plus system rectification costs, PR expenses and financial loss due to system downtime.

Keeping track of business and employment legislation can feel like a full-time job. With commercial legal protection, you're not only covered for any legal costs incurred - solicitors, barristers and expert witnesses for example - you'll also have access to day-to-day legal advice and tools. So, if you need help with drafting up a contract, or handling an employment dispute, we're on hand to guide you through.

Contents insurance

Whether you're based in a home office, your own premises or a flexible office space, the theft or damage of your property can be stressful and costly. But it doesn't have to be, with our office contents and portable equipment cover, which will replace your gear and have you back up and running in no time. And unlike with many providers, being based in a co-working space is no problem.

Read what every contractor needs to know about business insurance.

Award-Winning Insurance

We're the British Insurance Awards 2018 Insurance Start-up Winner - recognised for our innovative range of covers, online customer experience and flexible subscription model, which make buying and managing insurance easy and accessible for businesses in the digital industries.

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We're rated excellent by our customers

Excellent value at an affordable monthly cost. I have not needed use the services. But its good to know I have the insurance there to allow me to get on with my work.

James, J. Black Photography

Flexible. simple, easy, immediate. As a busy freelancer I need flexibility to potentially change the policy month by month - very handy and a feature I didn't find with other providers.

Tim, Graphic Design Freelancer

Excellent service, and really lovely people. Completely understanding of small or start up businesses, and a willingness/ability to be flexible. I'm very happy.

Lorna, Magic Penny Gifts

A super slick interface and all around great experience. Thumbs up Digital Risks! Having spoken to a number of "large" insurers, the pricing I received from Digital Risks was much more competitively priced for "like for like" cover. Highly recommended.

Jonathan, Frello

You're in safe hands

Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.

A-rated financial strength

Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

Protected by the FSCS

If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk