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Why real estate agents might need insurance

As a real estate agent, you take on a wide range of tasks and responsibilities when it comes to the sale and management of client properties. It’s up to you to organise public viewings, and to make sure property isn’t damaged as a result of a showing.

But it’s not just your clients’ properties you need to take care of. Whether it’s the car you use to get to viewings, or the laptop and other devices crucial to your work, it’s important you have the right insurance cover for your business and assets. Our Business Insurance Pack offers a range of covers2 to suit business' needs.

Pay by the month at no extra cost.1 You can pay monthly or annually at no extra cost to suit your cash flow.

Covers for real estate agents

From real estate brokers to sellers agents, our Business Insurance Pack offers a range of covers2 in one simple-to-manage, flexible policy designed to cover businesses. Here’s a small selection of what real estate agents might consider.

Start with Public Liability, then you can choose additional covers to suit your business.

Please note: Certain cover sections are only available if another cover section is also taken out.

Public Liability Insurance

Accidents can happen, especially when interacting with customers or clients. As a real estate agent, your daily activities involve visits to clients’ properties, as well as clients coming to visit you in your office. If a potential buyer injures themselves in your office, or you accidentally damage a client’s property, you could be legally liable.

Our Public Liability Insurance, included in our Public and Products Liability Insurance, covers you if a member of the public is injured, or their property damaged, at your business premises or while using your products or services. It covers compensation you’re legally liable to pay subject to the policy limit, plus your reasonable legal fees. This doesn’t include cover for professional advice you give.

Public Liability Insurance is automatically included with every Business Insurance Pack when quoted online. For a quote without Public Liability cover, contact our specialist Australian-based Business team on 1300 131 000.

Learn more

Commercial Vehicle Insurance

Your vehicle is likely to be one of the most expensive things you use as a real estate agent, so it’s important to cover it. Our Comprehensive Commercial Vehicle Insurance3 can protect your vehicle in the event of accidental damage or theft, and cover your legal liability for damage to third-party property caused by your vehicle.

Choose from three types of cover: Comprehensive, Fire and Theft or Third Party Property Damage only.

Helpful tip: Do you use your personal vehicle for business purposes? Your personal car insurance may not cover you if a loss occurs while using your car in connection with your business, such as driving to sites or client meetings to conduct your work. Check your personal car policy to see if you’re covered.

Call us on 1300 131 000 to cover up to 20 vehicles, or add up to two vehicles when you buy Public and Products Liability insurance as part of a Business Insurance Pack online.

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Electronic Equipment Insurance

Our Electronic Equipment Insurance is designed to help keep your real estate business up and running even if computers or communication devices break down. This covers both equipment repair, and hire of temporary equipment if necessary.

The coordination of house viewings, advertisements and applications is an essential part of your job as a real estate agent, and these all rely on computers and other communication electronics. If electronics break down, not only does this leave you with a repair cost, but also a major loss of productivity and client information.

Cost of restoring data can be bought as an additional optional cover under Electronic Equipment Insurance.

Note: In order to add Electronic Equipment cover to your Business Insurance Pack, you’ll need to buy Commercial Property cover.

Before you buy

Your real estate license may require you to hold a certain amount of management liability insurance. Check the requirements for your state before you buy.

If you rent your office premises, your lease may specify the minimum amount of public liability cover you’re required to have. Your lease or landlord may also specify a minimum amount of glass cover.

Prefer to speak with a consultant? Call 1300 131 000.
This is a limited summary of some of our Business Insurance Pack covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) which are available on this website.

Workers' compensation

If your business has employees, workers' compensation insurance is mandatory in all Australian states and territories. Our Workers' Compensation Insurance can cover your employees if they’re involved in a workplace accident. We’ll work to support your business through the claims management process.

Note: Workers' Compensation Insurance isn’t available under the Business Insurance Pack and will need to be bought as an additional policy.

Learn more

Why choose us?

Claim online 24/7

Lodge a claim online 24/7 or find a number for your claims category to lodge a claim over the phone.

Australian-based Business specialists

Our experts can help you arrange your Business Insurance. Call 1300 131 000 to speak to a Business specialist now.

Instant Certificate of Currency

Your proof of insurance, Certificate of Currency (COC), will be emailed to you instantly after purchase.

Ready to get started?

For more cover options, call 1300 131 000 to speak with a consultant.
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*Conditions apply

  1. Pay by the month (Payment instalments) 
    Premiums payable by instalments may be subject to minor adjustments (upwards and downwards) due to rounding and financial institution transaction fees may apply.
  2. Range of cover
    Acceptance criteria apply to each cover based on the characteristics of your business and the risks you’re looking to insure.
  3. Commercial Vehicle Insurance
    Commercial Vehicle cover is only available to buy under the Business Insurance Pack if you also buy Public and Products Liability Insurance or Commercial Property under the same policy. If you don’t require Public and Products Liability Insurance, we offer a standalone Commercial Motor Insurance policy that you can consider instead.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.

Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.