Real Estate Business Insurance

Real Estate Business Insurance

Estate Agents

    • Instant Professional Indemnity insurance tailored specifically for your business
    • Opportunity to compare and select policies from NZ leading insurers
    • Quick and easy online process, no forms to fill in, get covered in minutes

Insurance for Real Estate Agents

... easy online process, no forms to fill in, get covered in minutes Insurance for real estate agents The types of business insurances for real estate agents are designed to provide cover for a range of different risks which ...

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Understanding the risks for Real Estate Agents

... be liable if someone is injured at a property you are managing Having the right kind of business insurance in place for your real estate business could protect you in the event of a claim. Client lawsuits If you do not ...

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Business Interruption Insurance

... or not. Business Interruption Insurance for Small Businesses Businesses that often consider this type of insurance include: Shop Owners Retailers Cafés and Restaurants Tradespeople and Landscapers Real Estate Agents ...

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What is Business Insurance

... to personal trainers, IT specialists and real estate agents, Business Insurance provides coverage for many different types of small businesses. Why do I need Business Insurance? As a business owner there are so many ...

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What does business insurance cover

... Bakers Grocery stores Convivence stores Showrooms for tradie businesses Manufacturers Real estate agents If you feel unsure of the types of business insurance your business may need, jump online or give our friendly ...

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4 Tips For Starting An Online Business

... of your company’s core values. A good business plan ... real estate agents , among many others. BizCover provides multiple quotes from some of New Zealand’s most trusted insurers across a range of small business insurance ...

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What is Public Liability Insurance?

... insurance company will provide much needed funds to cover your legal costs and any compensation claims, leaving your business ... working. Real Estate Agents - As well as Realtors and Mortgage Brokers. Real estate agents ...

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What does Professional Indemnity Insurance Cover?

... insurance and these include: Registered Migration Agents Architects and Draftsmen Real Estate ... find out how to get in touch with one of our business insurance professionals. You can also access quick links to our self- ...

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What does Professional Indemnity Insurance cover?

... insurance and these include: Registered Migration Agents Architects and Draftsmen Real Estate ... taken against you? It's important that you review your business insurances on a regular basis to ensure that you have the right ...

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What is Professional Indemnity Insurance?

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Help Protect your small business' reputation

... the line. Here are a few to consider: Professional Indemnity Insurance If your business provides a professional service or advice, such as an accountant, architect, real estate agent or beauty therapist, you have a big ...

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Insurance by Industry

... Plumbers Psychologist Real Estate Agents Recruitment Consultants Retailer Shop Owners Tradesmen Travel Agents and Tour Operators Yoga Teachers Protect your business today. * * As with any insurance, cover will ...

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Do I need Public Liability Insurance?

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Insurance for Engineers

... G. Real Estate Agency Service Quick and easy to use service – I like it! Jim A. Claim Assessment Service Need Help? Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance ...

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Tool and Portable Equipment Insurance

... . Tool and Portable Equipment insurance can help provide so much needed protection for your expensive electronic IT equipment that gets lost or damaged. Real Estate Agents Without business assets like your laptop, phone ...

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Why You Should Review Your Business Insurance

... marketing campaigns and accounting just to name a few. But one thing which shouldn't be forgotten is reviewing your business insurance. It's often one of those set and forget things that we just do, but in the event that ...

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Do Hypnotherapists need Business Insurance?

... phone, or Property (Contents) for furniture, fixtures, and similar items in your office. Insurance for Hypnotherapists Business insurance could give you greater confidence and peace of mind as you treat your patients. If ...

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Managing Your Business Insurance During Inflation

... comes to the impact of inflation, and in our quick guide we take a look at how inflation influences business insurance and some tips of managing your policies. Inflation in flash The Reserve Bank of New Zealand describes ...

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Saving Hacks- Business Insurance For Tradies

... save a spare dollar here and there? Well, you're not alone. and when it comes to getting your business insurance sorted for your tradie business, we hear you. Whether you're flying solo as a sole trader or run a team of ...

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Do I need Business Insurance

... Hi, Just a question I am a Event production company but the only section was Event Management on your form ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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Business Insurance

... action taken against you or your company. Business Interruption* Business Interruption cover protects you from ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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Business Insurance FAQs

... Service Loving the efficient way to renew business Natalie B. Massage Therapy Service I love how easy it is to do covers on bizcover compared to other insurance companies. Gwen S. Painter/Decorator Need Help? Visit ...

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Complete Guide to Business Insurance

... is different, with their own unique factors and risk. There isn't a one-size fits all type of business insurance coverage, but there are a few things that you can keep in mind when trying to work out your coverage ...

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Tradies Guide to Business Insurance Packages

... Insurance ) Business Insurance Business Insurance, often referred to as a 'Business Insurance Pack', provides trade business ... may well be surprised by just how much real-world value you have with all those essential tools ...

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Business Insurance Health Check Part 2

... . In part two of our series, we look at how you can ask a few questions and give your policies a business insurance health check. Catch part one of our two-part series here to get all the tips and hints from part of our ...

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What Is Inside A Business Insurance Pack?

... ) • Legal costs from any ensuing civil action taken against you or your company Business Interruption insurance: Business interruption insurance provides cover for the loss of income and increased costs of operating your ...

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How Are Business Insurance Premiums Calculated?

... lend a helping hand when it comes to getting your business insurance arranged. Whether you are renewing your small business insurance or buying your first business insurance policy, we are there each step along the way ...

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Referral Partners NZ

... Business Brokers Consultants and Other Business Service Providers Commercial Real Estate ... find out how to get in touch with one of our business insurance professionals. You can also access quick links to our self-service ...

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Digital Marketing Tips For Tradies

... and leads to your trade business company website. Google's search engine results and the sidebar or news feed of Facebook both offer digital advertising real estate that tradie businesses can purchase. Maximise your ...

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How Tradies can use LinkedIn

... as well as network with potential business partners such as real estate agents, builders, and architects. ... their risk with trade insurance *. Trade insurance is a selection of business insurance products that together can ...

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... Hair & Beauty Services Handyman Allied Health Professionals Real Estate Agents #Bizsave Just like this small trades business, you too can save big on your business insurance. With our price promise we can help you ...

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Professional Indemnity

... management consultants , accountants and real estate agents among many others. ... can find out how to get in touch with one of our business insurance professionals. Sales Team Enquiry 0800 249 268 Regular Hours: Mon – ...

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No Dramas

... Mortgage Brokers Painters Personal Trainers Plumbers Real Estate Agents Recruitment Consultants Retailer Tradesmen Travel Agents and Tour Operators Protect your business today. Insurance Options to Consider At BizCover ...

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Take Back Your Time With These Apps

... run . At BizCover, we're big believer in saving time and that's why we offer a hassle-free business insurance experience. Jump online or give us a call to receive multiple quotes in minutes from some of New Zealand’s ...

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Diwali Customer Spotlight - Kavita's Kitchen NZ

... be stocked at the prestigious, artisan store, Moore Wilsons, in Wellington. Have you got business insurance to start your own business? “They believed in me and found my products to be delicious! The owner, David ...

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Conquering Stress and a Heavy Workload

... time management and by drawing on a range of stress-busting techniques, you can conquer stress, avoid overwork, and become even more effective and productive for your team. Protect your business with business insurance !

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Customer Spotlight: The Goat Farm

... part of his job, it's about “creating real value for client businesses - not just running a clever ad.” “When we ... to lunch in Raglan or Great Barrier in our company plane, rather than going to Prego like everyone else ...

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Customer Spotlight: Three Sisters Brewery

... share: “The highs will be higher and the lows will be lower, but hopefully you'll make a living doing something you are passionate about.” Get your business insurance today! Like them on Facebook Follow them on Instagram

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Our Holiday Hours 2022

... year of supporting small business owners in New Zealand with their business insurance needs! We are grateful for your support. Thank you for choosing BizCover to be a part of your small business journey in 2022. Whilst ...

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Easter Competition Terms and Conditions

... their immediate family) of the Promoter, related companies of the Promoter or agencies associated with this ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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6 ways your business can go paperless

... and suppliers in the loop by communicating any changes that may impact the way you do business with them. Have you looked into paperless insurance? Get quick online business insurance quotes sent straight to your inbox.

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How to Market your Business

... be helpful to you as you search for ways to market your business in challenging times. Alongside an effective marketing strategy, having robust business insurance coverages in place will give you the peace of mind if an ...

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... Scholarship $3000 Scholarship Prize About BizCover Since 2008, BizCover has been proud to be the first online business insurance comparison sites in Australia and New Zealand - and arguably in the world. We have gone to ...

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A Tradies Guide To Protecting Tools

... techniques. Insure your tools The next step important step in helping to protect your tools is to get your business insurance * sorted. While you may be familiar with policies like Public Liability, did you know there is ...

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6 Apps To Help Boost Small Business Productivity

... an app, at BizCover we know how pressed for time you may be as a small business owner and want to make arranging your business insurance* as drama-free as possible. Let us do the shopping around for you, providing quotes ...

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5 Tips to Avoid Tradie Tool Theft

... need to be a hassle. At BizCover we provide effortless quotes without the boring bits, jargon and paperwork. Just business insurance made easy. You can visit us online , or if chatting to a human is more your style give ...

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Marketing Tips for Psychologists

... pieces published on your company website, to press releases, company profiles, video content, infographics ... may be worth considering business insurance for psychologists to protect your business so you can keep ...

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Marketing Tips for Yoga Instructors

... deeper into what they stand for. If their brand values and company ethos don't align with yours, partnering with them may ... do that is to invest in business insurance such as insurance for yoga teachers *. BizCover works ...

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How tradies can take the pain out of claim time

... of what happened to what tools can help the insurance company assess the claim. From there, you're claim ... tools lost or stolen can be stressful. Luckily, your business insurance doesn't have to be! Jump online or give us ...

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Seven Tips To Keeping Your Data Secure

... files is a necessary part of running a modern business, so depending on your company's size, it may not be practical to limit ... be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...

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A Mechanics Guide to Understanding SEO

... for when life throws a spanner in the works. Visit and get trade insurance for your trade business without drama and get on with your day. If you'd prefer to pick up the phone and chat you can find ...

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A Guide to Google Ads for Mechanics

... marketing wizard, just a little bit of research and planning. Luckily the process of getting your mechanic business' insurance * sorted is even simpler, no fancy lingo or analytics to decipher. At BizCover, we provide a ...

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Tips On How To Better Your Business This Year

... team is always a good start, but the real challenge can be keeping that motivational fire burning all ... it comes to sorting out your business insurance. A few small changes to your small business can have a big impact. It ...

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How to Open a Yoga Studio

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Reviews related to Real Estate Business Insurance

  • Highly recommended way of doing business insurance with out hassles and cost effective

    Peter Digby


    Janette Wallbutton
    Real Estate

Why do Real Estate Agents need it?

No matter how much pride and care you may take in your role as a real estate agent, there is always that exposure to some element of risk. The real estate world is competitive, and you’ve worked hard to build your business and its reputation, the last thing you want is a claim to send it all crashing down.

These are some of the reasons why, as a real estate agent you may need to consider business insurance:

  • To join certain industry boards and become a member, you may be required to hold a certain level of Professional Indemnity insurance*
  • Giving advice you your clients about property and estates could land you in hot water if things don’t follow the expected blueprint!
  • If a client, member of the public or another third-party was to slip, trip or fall for example on your business premises you may be held liable for any injuries caused (when not covered by the ACC)- this is where Public Liability insurance* can help
  • When you’re out on the road visiting and showing clients around, it is important you have some protection in place for things like your laptop, mobile phones etc with Portable Equipment cover*

Did you Know?

Real estate agents providing incorrect or misleading information topped the consumer complaints and inquiries to the Real Estate Agents Authority (REAA).

Insurance for Real Estate Agents

Professional Indemnity

Professional Indemnity insurance is designed to protect your business against legal claims and costs by third parties for damage arising from acts, error, omissions, and breaches in your professional duty. This may include the sale of real estate, poor property management, allegations of misleading or misrepresentation or a breach of statutory rules.

What is covered?

  • Damages and claimant costs awarded against the insured
  • Legal and defence costs
  • Claims investigation costs
  • Inquiry attendance costs
  • Public relations costs

What is NOT covered?

  • Intentional damage
  • Known claims and circumstances
  • Fraud and dishonesty
  • Bodily injury / property damage

Public Liability

This insurance is an essential component of any business’ insurances. It covers your liability to third parties for any property damage and or injury or death arising out of your work where ACC does not respond. Typical claims for Real Estate Agents might include leaving a property unlocked and a theft occurs or by causing damages to a property or its contents during an open home. It is relatively cheap cover for the amount of protection afforded.

What is covered?

  • Compensation for accidental damage to third party property
  • Compensation for personal injury or death to third parties where the ACC does not provide cover
  • Legal and defence costs

What is typically NOT covered?

  • Injury to your employees
  • Damage to your own property
  • Compensation for personal injury whereby cover is provided by the ACC
  • Known claims and circumstances

Protect your business today.

Business Insurance

While your clients are essential to your real estate business, take a moment to think about the other elements that help you close the deal. There are things like the bricks and mortar of your real estate premises (if you own it), your office furniture and equipment, and your vital sales tools like your phone, tablet, laptop etc.

Without them, doing business would be next to impossible, and that’s why it’s important to have some forms of protection in place if an unpredictable challenge were to disrupt your business activities.

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance policy can also cover your portable equipment, and loss of revenue due to business interruption in specified circumstances.

Let’s take a look at these different types of coverages and how they can help your real estate business.

Building*– Covers you for loss and damage to buildings you own, as a result of an insured event, e.g., fire, malicious damage.

Contents*-Cover for loss of or damage to items such as business equipment, stock, plant and machinery, records, fixtures and fittings and furniture belonging to you at the insured location.

Business Interruption*– Business interruption insurance provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It is also designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).

Portable Equipment cover*– Covers you for loss and damage to your tools and equipment due to theft, fire and other perils listed in the wording, anywhere in New Zealand.

Cyber Liability

Working as a real estate agent, you will have sensitive and important documentation that you will need to protect from data breaches and other malicious cyber threats. In such an event, cyber insurance can help cover your business in the event of:

• Forensic investigation costs
• Data restoration costs
• Security failure claims
• Public relation costs
• Cyber-extortion costs
• Fines, penalties, and loss due to defamation
• Privacy and intellectual property claims
• Identity theft
• Ransom and extortion

Statutory Liability

With the ever-changing statutory landscape for the Real Estate industry, it is becoming more and more crucial for Real Estate Agents to have protection for any inadvertent breaches of New Zealand statutes. This will cover legal defence costs as well as, in some cases, cover for fines incurred.

Want to know more?

Get your fix on all things business and insurance with our blogs. Perfect reading for in between open houses and inspections!

Understanding insurance-part 2: Professional Indemnity insurance

Ever wanted to understand the nitty gritty of Professional Indemnity insurance? This simple guide breaks down some of the key facts and information, jargon free.

* This information is a general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned.

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 


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