Details and documents - Estate and letting agents insurance

This section includes policy documents and wordings, with full details of the cover provided. Our policy for estate and letting agents is arranged with leading insurer, Hiscox insurance.

Here's more information

• Nil excess on the first claim in any policy year; £250 excess per claim thereafter
• Covers you to work anywhere in the world (provided you live, and are based in the UK)
• Employers’ liability and personal accident covers can be added to the policy
• Provides specialist legal defence to defend a claim

The main exclusions

The policy is designed to cover any civil liability arising from your business - but there are a few specific exclusions:

• Injuries to employees in the course of their employment with you (employers’ liability insurance can be arranged separately)
• Business risks such as contracts with suppliers or trading losses
• Any intentional act, unless this is part of the services you provide
• Liabilities which should be insured under other types of policy
• Any claim arising out of work for a business in which you have a controlling interest or for which you can make a major policy decision
• Any Property Valuations, other than for marketing purposes
• Survey and construction work, other Property Valuations as above
• Any investment advice relating to client funds, including the receipt of any insurance commissions, other than when acting as an Introducer only

For more information on any of our insurance policies, including all exclusions, please see the documents section.

For specific questions go to the frequently asked questions section.

• Policy wording (PDF 118kb)
• Summary of cover (PDF 42kb)
• Terms of business (PDF 54kb)