We cover all types of property letting businesses including residential letting agents, commercial property agents, property management companies, estate agents offering letting services, and independent letting specialists.

Yes, since April 2019, all letting agents in England must belong to a government-approved client money protection scheme. Our insurance meets these regulatory requirements and provides comprehensive protection.

Professional indemnity covers claims arising from negligent advice, property valuation errors, letting management mistakes, breach of professional duty, and errors in documentation or contracts.

Property management activities can be covered under comprehensive letting agent insurance, but may require enhanced professional indemnity limits and specific coverage for management responsibilities.

Our client money protection coverage compensates clients for losses arising from misappropriation of their funds, including tenant deposits and rental income held in client accounts.

Yes, we provide coverage for online letting platforms, property portals, and digital letting services with appropriate cyber liability and professional indemnity protection.

Letting agents handle sensitive client and tenant data, making them targets for cyber attacks. Our cyber insurance covers data breaches, system failures, and GDPR compliance issues.

Yes, public liability insurance covers incidents during property viewings, including visitor injuries, property damage, and accidents occurring while showing properties to prospective tenants.

Our policies include coverage for errors made by employees in the course of their duties, including administrative mistakes, client communication errors, and procedural failures.

Yes, we can provide coverage for letting agencies with multiple branches or office locations under a single comprehensive policy with appropriate coverage limits.

Yes, we can provide coverage for letting agencies with multiple branches or office locations under a single comprehensive policy with appropriate coverage limits.

We typically need business details, annual turnover, number of properties managed, client money handling procedures, staff numbers, and details of any previous claims or incidents.

Standard exclusions include deliberate wrongdoing, criminal acts, trading losses, and claims arising before policy inception. Full exclusions are detailed in policy documentation.

Commercial letting activities may require enhanced coverage limits and specialized terms. We can provide comprehensive coverage for both residential and commercial letting services.

Our policies include coverage for errors in coordinating property maintenance, contractor selection mistakes, and failures in emergency response procedures.

Yes, rent collection services are covered under our comprehensive letting agent policies, including errors in rent collection procedures and tenant payment processing.

Contact us immediately on 0330 127 2333. We provide rapid claims processing with specialists who understand letting industry challenges and regulatory requirements.

Yes, we provide coverage for franchise letting operations with appropriate coverage for franchise obligations, brand standards compliance, and franchisor-franchisee relationships.

Student accommodation letting requires specialized coverage for higher occupancy risks, increased wear and tear, and specific challenges associated with student tenants and university partnerships.

We offer flexible payment terms including annual, quarterly, or monthly payment options to help manage cash flow for letting agencies of all sizes.

New letting agents need professional indemnity, client money protection, public liability, and employers liability insurance. We provide startup-friendly coverage with competitive rates for new businesses.

Yes, we offer risk assessment services, procedure reviews, and guidance on best practices to help minimize risks and potentially reduce insurance costs.

Property letting insurance costs typically range from £300-£800 annually for small letting agents, £800-£2,500 for medium agencies, and £2,500-£10,000+ for large letting companies. Costs depend on turnover, properties managed, services offered, and coverage levels required.

Letting agents are legally required to have client money protection insurance and belong to a property ombudsman scheme. Employers liability insurance is mandatory if you employ staff. Professional indemnity insurance, while not legally required, is essential for regulatory compliance.

Yes, estate agents offering letting services need specialized letting agent insurance including client money protection, enhanced professional indemnity for letting advice, and coverage for property management activities beyond standard estate agency insurance.

Property management companies need comprehensive coverage including professional indemnity (£1-6 million), client money protection, public liability, cyber insurance, and management liability. Portfolio policies are often most cost-effective for companies managing multiple properties.

Yes, property letting insurance premiums are typically tax-deductible business expenses for letting agents and property management companies. This includes professional indemnity, client money protection, and general business insurance as allowable costs.

Professional indemnity insurance covers letting agent negligence claims including incorrect property valuations, letting advice errors, tenancy agreement mistakes, property management failures, and breach of professional duty to clients and landlords.

While tenant deposit protection schemes handle most disputes, legal expenses insurance covers complex deposit disputes, court proceedings, and professional representation for deposit-related legal issues beyond standard scheme resolution.

Online letting platforms need enhanced cyber liability insurance, professional indemnity for digital services, client money protection for payment processing, and technology errors and omissions coverage for platform failures and data breaches.

Yes, cyber liability insurance includes GDPR compliance coverage protecting against data protection fines, breach notification costs, and regulatory investigations. This covers tenant and landlord personal data protection failures.

Client money protection insurance covers employee theft and dishonesty involving client funds, tenant deposits, and rental income. This includes coverage for fraudulent activities by staff members handling client money accounts.

Yes, public liability insurance covers accidents during property viewings including visitor injuries, property damage, and incidents occurring while showing properties to prospective tenants. Coverage typically includes legal defense and compensation costs.

HMO letting specialists need enhanced professional indemnity for licensing compliance, specialized public liability for multi-occupancy risks, and additional coverage for HMO management responsibilities and regulatory requirements.

Yes, letting agents operating rent guarantee schemes need specialized insurance covering guaranteed rent payments, tenant default protection, and professional indemnity for rent guarantee advice and administration.

Professional indemnity and legal expenses insurance cover discrimination claims against letting agents including allegations of unfair treatment in tenant selection, property allocation, and service provision under equality legislation.

Yes, professional indemnity insurance covers errors in coordinating property maintenance including contractor selection mistakes, inadequate repair supervision, emergency response failures, and health and safety compliance issues.

Commercial letting agents need enhanced professional indemnity limits, specialized knowledge of commercial lease terms, and additional coverage for business interruption advice, rent review disputes, and commercial property management responsibilities.

Yes, professional indemnity and legal expenses insurance cover regulatory investigations by local authorities, trading standards, and property ombudsman services. This includes legal representation and investigation response costs.

Cyber liability insurance covers technology failures including property management software crashes, website downtime, email system failures, and loss of client data due to system malfunctions or cyber attacks.

Professional indemnity insurance covers property inventory disputes including errors in check-in/check-out reports, inventory accuracy claims, and disputes over property condition assessments between landlords and tenants.

Professional indemnity insurance covers errors in emergency response procedures including delayed responses, inappropriate contractor selection, and failures in emergency property management leading to increased damage or tenant claims.

Yes, cyber liability and professional indemnity insurance can cover defamation claims arising from social media activities, online review disputes, and digital marketing errors that damage client or tenant relationships.

Professional indemnity and legal expenses insurance cover partnership disputes in letting agencies including disagreements over business management, profit sharing, client relationships, and partnership dissolution issues.

Yes, professional indemnity insurance covers property marketing errors including incorrect property descriptions, misleading advertising, photography issues, and misrepresentation of property features or rental terms.

Professional indemnity insurance covers contractor management errors including inadequate vetting, poor supervision, contractor selection mistakes, and failures in coordinating property maintenance and repair work.

Yes, professional indemnity insurance covers tenant screening failures including inadequate referencing, credit check errors, and failures to identify problematic tenants leading to landlord losses or property damage.

Professional indemnity insurance covers licensing compliance failures including selective licensing breaches, HMO licensing errors, and failures to maintain required local authority licenses and registrations.

Yes, professional indemnity and client money protection insurance cover rent collection errors including payment processing mistakes, account allocation errors, and failures in rent collection procedures leading to landlord losses.

We provide claims advocacy support and can arrange independent adjusters or legal representation. Our policies may include legal expenses coverage for insurance disputes, helping challenge declined claims through proper appeals processes.