Professional indemnity, fidelity, office insurance, cyber liability, PI - Gallagher provides the full suite of specialist insurance products that property agents need to trade with confidence. Over 100,000 UK businesses trust Gallagher and with more than 7,000 reviews they are rated Excellent on Trustpilot. Propertymark members benefit from tailored cover designed specifically for the property sector.
A client who feels they received negligent advice can make a professional indemnity claim. A tenant who alleges an agent failed in their duty can trigger a complaint. A cyber attack on your client database can cost you in legal fees, fines, and lost business before you ever get to a settlement. Off-the-shelf business insurance leaves property agents exposed. Gallagher specialises in exactly the risks that estate and letting agents face.
Vendors and landlords who feel they received incorrect professional advice about price, condition, or tenant suitability can make claims against your agency. Professional indemnity claims in property can run to hundreds of thousands of pounds in legal costs and compensation - before any payout is agreed.
Fidelity risk is real in agencies handling significant client money. A rogue member of staff, or a payment fraud event, can expose your agency to losses that standard PI does not cover. Gallagher's Propertymark package includes fidelity cover as standard up to £250,000 - a protection most agents do not realise they are missing.
Estate and letting agents hold sensitive personal data - ID documents, financial records, tenancy agreements. A cyber incident triggers GDPR notification obligations, potential ICO fines, and reputational damage. Cyber liability insurance covers the response costs, legal exposure, and business interruption that follow a breach.
Propertymark membership carries professional indemnity insurance requirements. Not having compliant cover - or having cover that does not meet the required limits - puts your membership status at risk. Gallagher's Propertymark-aligned policy is designed to meet membership requirements from the start, with no gaps to discover later.
Gallagher's property agent insurance suite covers the full range of risks your agency faces - from professional liability to cyber, from office contents to employer obligations. Each product is tailored to the property sector rather than adapted from generic commercial insurance.
Up to £1,000,000 indemnity cover on an any-one-claim basis - no restriction on the number of claims in a policy year. Covers legal costs and compensation for alleged negligent acts, errors or omissions in professional services. Complies with Propertymark membership requirements.
Fidelity cover up to £250,000 is included as standard within the Propertymark Company Advantage package. Covers losses arising from dishonest or fraudulent acts by employees - a risk specific to agencies handling client money that generic policies routinely exclude.
Buildings and contents cover for your agency premises. Protects against fire, theft, vandalism and accidental damage. Online quoting available for Propertymark members - straightforward cover for an often-overlooked exposure that affects every branch.
Covers data breach response costs, GDPR notification obligations, business interruption from a cyber event, and third-party liability from a client data incident. Estate and letting agents are a target for cyber attacks due to the volume of sensitive personal and financial data they hold.
Employers liability is a legal requirement for any agency with staff. Public liability covers third-party injury or property damage claims arising from your business activities. Gallagher packages both alongside your core PI to avoid coverage gaps between separate policies.
Protects individual directors and senior managers against claims for alleged wrongful acts in their management role - a risk that personal assets do not protect against. Relevant for agency owners and principals who want personal liability protection beyond their company cover.
Gallagher is Propertymark's official insurance broking partner. Members access a dedicated team and Propertymark-aligned cover. Kerfuffle and CTP members get their commercial terms reviewed by their AM before committing.
Propertymark Company Advantage members complete an application providing accurate details about their business, turnover, activities, and insurance needs. The process is designed to be clear and straightforward - concise documents that are easy to understand.
The dedicated Gallagher property agent team reviews your requirements. For agents with turnover above the standard scheme threshold, or with additional activities, the team works through the right coverage levels and structures to ensure there are no gaps in protection.
Concise, clear policy documents are issued. Gallagher's commitment is that the terms are easy to understand - not buried in small print that requires a solicitor to interpret. Your Kerfuffle AM reviews the commercial terms with you before you sign anything.
Propertymark members benefit from a dedicated Gallagher account management team rather than a generic broker helpline. Questions about coverage, claims support, and renewals are handled by specialists who understand property agency.
As your agency grows or your activities change, Gallagher's simple process allows you to increase indemnity limits or add additional insurance products. Cover scales with your business without requiring you to go back to square one with a new broker.
Gallagher works with Propertymark members directly - but Kerfuffle and Compare The PropTech members get an additional layer. Your Kerfuffle AM reviews the policy terms and commercial structure with you before you sign, making sure you are getting the right product for your agency's actual risk profile.
Standard Propertymark Company Advantage route
Open to all members via Propertymark
Kerfuffle & CTP member route
PI limits, fidelity cover, cyber add-ons and premium structure are all reviewed with your Kerfuffle AM before you commit. You go in knowing exactly what you are covered for and what you are paying - no surprises at renewal.
A conversation with the Gallagher dedicated account team: what your Propertymark membership requires, what your current cover may be missing, and what the right package looks like for your agency's size and activities.
Generic business insurance leaves property agents with gaps. Gallagher's product suite is built around the specific claims history, regulatory requirements, and professional liability exposures of UK estate and letting agents - not adapted from a standard commercial policy.
PropTech That Pays Back is the Kerfuffle initiative that rewards estate agents with kredits when they actually use what they have bought. Gallagher is not on the platform presently. If you would like to see Gallagher added, register your interest below.
Kerfuffle members get a direct introduction to the Gallagher property agent team, policy terms reviewed by their AM, and clarity on what they are covered for before committing to anything.
Want to talk through your agency's insurance exposure?
Grab fifteen minutes with the Kerfuffle team. We will walk you through what Gallagher covers, what your current policy might be missing, and how to access the Propertymark member route.
Book a quick Zoom to discuss options →