Insurance for real estate agents and property managers
From sales agencies and property management rent rolls to buyers agents, commercial leasing and strata-adjacent services, we arrange insurance for real estate businesses Australia-wide.
Agencies handle large sums of trust money, sensitive client data and advice that people rely on for their biggest financial decisions. We compare cover across a range of insurers and help you put the right protection in place.
Covers to consider
Every business is different. Depending on what you do, a sensible program may include:
Professional indemnity
Claims alleging a negligent act, error or omission in your professional services, such as appraisal errors, misrepresentation or property management mistakes. Many states require agents to hold PI.
Public liability
Injury to people or damage to property at open homes, inspections, auctions and your office.
Management liability
Directors and officers, employment practices, statutory liability and crime cover, including employee theft from your business.
Cyber insurance
Email compromise, fake bank-detail fraud, ransomware and data breaches, including notification and recovery costs.
Business pack
Office contents, fit-out, glass, theft, electronic equipment and business interruption in one policy.
Portable equipment
Laptops, tablets, phones, cameras and signage that travel to listings and inspections.
Who it's for
- Sales agencies
- Property managers and rent rolls
- Buyers agents
- Commercial and industrial agents
- Auctioneers
- Business brokers
- Strata and body corporate managers
- Franchise offices
Licensing and PI requirements vary between states and territories, so we check the rules that apply to your agency.
Real risks we help you plan for
Funds transfer fraud
Hacked email accounts and fake invoices can redirect a deposit or settlement to a criminal account.
Property management disputes
Landlords may claim that a tenant was poorly screened, inspections were missed or arrears were not followed up.
Misrepresentation
Statements about zoning, size, condition or expected returns can lead to claims from buyers or vendors.
Open home incidents
A visitor trips on a step or a valuable goes missing while the property is open.
Employment issues
Disputes over commissions, termination or workplace conduct with sales staff and property managers.
Trust account issues
Errors or dishonesty involving trust money can trigger investigations and losses.
How we work with you
Independent broking, Australia-wide, with one point of contact.
- We learn how your business runs: services, turnover, staff, premises and contracts.
- We compare cover across a range of insurers and explain the key inclusions, exclusions and limits in plain English.
- We help with certificates of currency for landlords, leases and contracts.
- We support you at renewal, when your business changes, and through the claims process.
Frequently asked questions
Is professional indemnity compulsory for real estate agents?
It depends on your state or territory and your licence type. Some jurisdictions require PI as a licence condition, and many franchise groups and landlords expect it regardless. We can check what applies to you and arrange suitable limits.
Does PI cover me if a landlord says we chose a bad tenant?
Property management claims are a common source of PI claims, and many policies respond to allegations of negligent property management. Cover depends on the policy wording, so we look for policies that suit rent roll businesses.
Are we covered if a client's deposit is sent to a scammer?
Not automatically. Funds transfer fraud may be covered under some cyber, crime or management liability policies, often with sub-limits and conditions such as call-back verification. We explain where this cover sits and how to strengthen it.
What is run-off cover and do I need it when I sell my agency?
PI is usually written on a claims-made basis, so a claim about past work can arrive after you sell or close. Run-off cover protects that past work. It is worth arranging before a sale or retirement.
Can you insure a single-agent business or home office?
Yes. We arrange cover for sole agents and small offices as well as larger agencies, and we service clients Australia-wide by phone and email.
Talk to us about your cover
We will review your current program, including PI, cyber and management liability, and talk through your options. Call us, email us or request a callback. We service businesses Australia-wide.
Get in touch
- Phone
- (03) 9078 6473
- info@mminsure.com.au
- Hours
- 9:00am to 5:30pm, Monday to Friday
General advice warning: This information is general advice only and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD), available from us or the insurer, and our Financial Services Guide (FSG). Cover is subject to the insurer's acceptance, terms, conditions, limits and exclusions. We make no guarantee that cover will be available or that any claim will be paid.
M & M Insurance Services Pty Ltd ABN 54 664 837 138 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 | AFSL 238433. Please read our Financial Services Guide.