Real Estate Agents Insurance Online Real Estate Agents Insurance Calculator
Estimate your insurance needs as a Real Estate Agent with our Real Estate Agents Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.
Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.
Real Estate Agents – Insurance Calculator
For real estate agencies, property managers and sales practices. Work through the steps to total your
agency property/contents values, estimate Business Interruption (BI), and get suggested
Professional Indemnity (PI) and Public Liability (PL) limits. This is a planning tool only – not a quote or personal advice.
Step 1 of 6
1) Agency profile
A few basics to tailor suggested limits and set GST display mode.
Used to help suggest PI/PL tiers. You can still estimate BI later.
Turnover minus your uninsured expenses (wording-dependent).
Most agencies claim input tax credits → ex-GST sums.
Used for a light-touch Public Liability exposure score.
If there’s a financier/lessor, your broker may need this for policy notes.
Your totals still improve if you add replacement values.
Next: select services/exposure to help suggest PI/PL limits.
2) Services & exposure
Tick all relevant exposures for your agency. This influences PI/PL suggestions.
Select a minimum if required by an industry body/lease/client.
Use “Cautious” if you’re uncertain or want a buffer.
3) Agency property & contents
Fit-out, signage (internal), keys/lock-ups (physical), office contents. Enter replacement values.
Optional declared values (often separate sub-limits). Add what you’d want to replace after a total loss.
If you don’t know, leave blank and discuss with your broker.
Include key cabinets, access control, lock boxes, etc.
6) Business Interruption (Gross Profit) & results
Add turnover/margin to estimate BI, then calculate recommended sums & suggested limits.
Tip: if left blank, we’ll use “Annual agency turnover” from Step 1.
Turnover minus costs not insured under BI (wording-dependent).
Additional Increase in Cost of Working buffer.
When you’re ready, calculate recommended sums & suggested limits.
Heads-up: Policy wordings differ for PI, Liability, Flood, Cyber, Glass and Tenant risk.
This tool totals user-entered values and uses heuristics to suggest limits; it isn’t a quote or advice.
Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.
How to use our Real Estate Agents Insurance Calculator
Our Real Estate Agents Insurance Calculator helps Australian real estate agencies, property managers and sales practices estimate practical insurance levels to protect business assets and income. It totals your agency property and contents, estimates a Business Interruption (BI) sum insured based on gross profit, and suggests Professional Indemnity (PI) and Public Liability (PL) limits based on your services and risk profile. This matters because underinsuring can leave you funding replacements, legal defence costs, compensation claims, or lost income out of cash flow when an incident occurs.
Important note: This calculator provides general information and estimates only. It is not a quote, recommendation, or personal advice, and does not consider your objectives, financial situation or needs. Always review policy wording and consider speaking with a licensed insurance adviser or broker before you decide.
Complete the form in this order for the best result:
1. Agency profile: Enter number of offices, number of staff (including principals), annual agency turnover, and gross profit margin. Choose your GST treatment carefully; many GST-registered agencies insure ex-GST amounts because input tax credits may apply. Add a financier if relevant (some finance contracts require it).
2. Services and exposure: Tick all services offered (for example property management, residential and commercial sales, leasing, strata management, auctions, consultancy). Select any contract or regulator minimum PI limit and any landlord or contract minimum PL limit. Disclose claims in the last 5 years and select your risk bias (standard or cautious).
3. Agency property and contents: Add each fit-out and contents item at replacement value (signage, IT, keys and lock-ups, furniture).
4. Electronics, IT and security: Add servers, laptops, networking, CCTV, alarms and phones at replacement value.
5. Optional items: Enter external signage and glass value, plus keys and access systems value.
6. Business Interruption: Confirm turnover and gross profit margin, choose an indemnity period (6 to 24 months), and add an AICOW uplift to allow for extra costs to keep trading.
Interpreting results:
1. Property and contents totals indicate a starting point for your material damage sum insured (check for sub-limits and special items).
2. BI output estimates gross profit exposure over your chosen indemnity period, then applies your uplift buffer.
3. PI and PL suggestions reflect your selected services, minimum required limits, claims history and risk bias. If a contract requires a higher limit, treat that as your floor.
4. Use the JSON summary to share inputs with a broker for faster quoting, then confirm final cover, exclusions, excesses and limits against the insurer’s policy wording.
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Australia's latest run of severe weather insurance claims is another practical warning for real estate agencies: disaster risk is not limited to landlords, strata committees or homeowners. Agencies themselves can be exposed through damaged offices, flooded fit-outs, lost keys and access devices, interrupted trading, damaged vehicles and disputes that arise when client service is disrupted at the worst possible time. - read more
Australia’s insurance complaints environment remains a useful warning sign for real estate agencies, particularly those relying on multiple policies across professional indemnity, public liability, cyber, office contents, business interruption and commercial motor cover. Recent dispute trends reported through the financial complaints system continue to show that customers are most likely to become frustrated when claims are delayed, declined, poorly explained or affected by policy exclusions they did not fully understand at the outset. - read more
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Income protection insurance is designed to provide financial support if you're unable to work due to illness or injury. It ensures a portion of your income continues to be paid during times when you cannot earn. This type of insurance acts as a safety net, offering peace of mind by securing your financial stability during challenging times. - read more
In the dynamic world of real estate, managing risks is as crucial as closing a sale. Real estate agents in Australia constantly navigate a landscape full of potential pitfalls, from market fluctuations to client disputes. Understanding these risks and having strategies to manage them is essential for a successful career. - read more
Real estate agencies often rely on office premises, laptops, phones, signage, vehicles and client-facing operations. This guide explains business insurance covers that may be relevant to agency offices and equipment, and how they can sit alongside professional indemnity and public liability cover. - read more
Knowledgebase
Professional indemnity: An insurance that provides cover for liability incurred in the course of exercising a profession.
