Save up to 15%*2,3

when you buy a new Small Business Advantage Pack policy online.

What is insurance for Real Estate Agents?

As a real estate agent, you determine the ins and outs of the sale and management of properties. Not only do you need to keep on top of the market, your portfolio, and your clients’ needs, but you also have to deal with complex legal documentation and constant travel. Each of these activities raises unique risks, so it’s important to protect yourself with the right insurance.

Understanding and finding the right insurance for your Real Estate agency can be confusing, let us help. Read on to learn how Allianz insurance covers can protect your business.


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Instant Insurance Certificate

Your proof of insurance (Certificate of Currency) will be emailed instantly after purchase.

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Enjoy paying monthly and at no extra cost.

Specialist Business Experts

Our experts can give general advice and help to arrange your business insurance. Call 1300 131 000 to talk to a business specialist.

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When misfortune strikes, Allianz is there for you. Lodge a claim by phone 24/7.

Real Estate Agent Insurance Covers:

Public Liability Insurance

Public Liability insurance, also known as Public and Products Liability insurance, helps to protect you if you become liable to pay compensation for injury to third parties, or damage to their property, during the course of your work.

The daily life of a real estate agent involves constant visits to your 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 liable.

Public Liability insurance is designed to cover claims that may arise as a result of incidents for which you may be held liable. Cover may also be provided for reasonable legal costs you incur in defending a claim against you

Public Liability is a compulsory cover that must be included in a Small Business Advantage Pack policy.

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Commercial Vehicle Insurance4

As you’re on the road visiting clients and showing properties, your car is likely to be one of the most expensive things you use in your business, so it’s important to protect it.


Comprehensive Commercial Motor insurance 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.

You can choose from a range of cover levels including Comprehensive, Fire and Theft or Third Party Property Damage only.

Helpful Tip: Do you use your personal vehicle for business use? Your personal car insurance may not cover you for damage to other cars or your own vehicle when used in connection for business. Check your personal car policy to see if you are covered.

Call Allianz to cover up to 20 vehicles on 1300 131 000, or buy online and add up to 2 vehicles, when you buy your Public and Products Liability insurance with a Small Business Advantage Pack.

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Electronic Equipment Insurance

This insurance is designed to 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 the job for Real Estate agents, and these all rely on a network of 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.

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Get your cover in one place with our Small Business Advantage Pack

Our packs start with Public Liability, then you can customise yours to suit your business.

Public Liability

In the event of a claim, this cover can protect you if you become legally liable to pay compensation for injury to third parties, or damage to their property, during the course of your work.

Additional Cover Options

Commercial Motor

Commercial Motor Insurance can protect your vehicle in the event of accidental damage or theft, and cover your legal liability for damage third party caused by your vehicle.

Electronic Equipment

Cover for the repair or replacement of electronic equipment in your office, such as servers, computers and hard drives, in case of breakdown.

Material Damage

Cover for accidental damage to property insured, such as office furniture and reference materials, from unexpected events like a storm, fire or vandalism.

General Property

Covers accidental damage to property insured used by you or your employees.

Business Interruption

Covers your lost income, profits or turnover if your office has to close as a result of unforeseen defined events, like fire or storm.

Glass

Covers the cost of repairing or replacing accidentally broken glass at your business premises, such as office windows, glass partitions, and skylights.

Management Liability

Covers you or your directors, officers or employees in the event of claims being made by third parties for alleged wrongful acts. 4 separate types of cover to choose from:

  • Directors and Officers Liability
  • Employment Practices Liability
  • Crime
  • Tax Audit

This is a limited summary of some of our Small Business Advantage Pack covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision please consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website

Workers Compensation

If your business has employees, Workers Compensation insurance may be mandatory depending on the state/s you operate in. Workers Compensation insurance can cover your employees if they are involved in a workplace accident. Allianz will work to support your business through the claims management process.

Please note that Workers Compensation insurance is not available under the Small Business Advantage Pack and will need to be purchased as an additional policy.


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Before you buy

Considerations for Real Estate Agents:

  • Your Real Estate license may require you to hold a certain amount of Management Liability insurance – check the requirements for your state.
  • 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.
More cover options

Can’t find the cover that you need online? We have an extended range of insurance covers available through our team of specialists. We’re open 8:00am - 7:30 pm Mon - Fri AEST.


   1300 131 000

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