Real Estate Agents Insurance Online :: Calculators

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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. Totals your agency property/contents values, estimates a Business Interruption (BI) sum, and suggests Professional Indemnity (PI) and Public Liability (PL) limits. Not a quote or personal advice.

Agency profile

Number of offices

Number of staff (incl. principals)

Annual agency turnover ($)

Gross profit margin (%) Turnover minus your uninsured expenses.

GST treatment Most agencies claim input tax credits → ex-GST sums.

Financier (optional)

Services/exposure

Tick all relevant exposures for your agency; influences PI/PL suggestions.

Services offered

Residential Sales Commercial Sales Property Management Leasing / Lettings Strata / Body Corporate Management Project/New Developments Real Estate Consultancy Auctions / E-Commerce listing services

Contract/regulator PI limit (floor) Select minimum if required by industry body/lease.

Contract/landlord PL limit (floor)

Claims in last 5 years?

Risk bias

Agency property & contents

Fit-out, signage, IT, keys/lock-ups, agency contents. Enter replacement values.

Electronics, IT & security

Servers, PC/laptops, networking, security systems, CCTV, phones.

Signage, glass & lock-ups (optional)

External signage/glass value

Keys / lock-ups / access systems value

Business Interruption (Gross Profit)

Annual turnover ($)

Gross profit margin (%) Turnover minus costs not insured under BI.

Indemnity period (months)

AICOW / uplift (%) Additional Increase in Cost of Working buffer.

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Real Estate Agents Insurance Articles

Understanding Income Protection Insurance for Real Estate Professionals

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

Navigating the Risks: Essential Insurance Solutions for Real Estate Agents

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

Common Insurance Pitfalls for Real Estate Professionals

As a real estate professional, safeguarding your business through adequate insurance is crucial. The real estate industry is fraught with risks, from property damage to client disputes, and insurance serves as a safety net, ensuring that you're protected against unforeseen circumstances. - read more

Top 5 Risk Management Strategies Every Real Estate Agent Should Know

In the ever-changing world of real estate, understanding and managing risks are crucial tasks for any real estate agent. From fluctuating market conditions to regulatory shifts, several elements can affect the value and profitability of property investments. Effective risk management practices are essential for protecting assets and ensuring long-term success in this dynamic industry. - read more

Common Real Estate Risks and How to Mitigate Them with Insurance

In the vibrant world of real estate, understanding and managing risks is crucial for success. Real estate agents face a variety of risks that can impact their reputation, financial stability, and client relationships. Navigating these risks effectively is essential for maintaining a thriving business and ensuring client satisfaction. - read more

Insurance News

Rising Insurance Costs Amidst Climate Change: What Homeowners Need to Know

06 Dec 2025: Paige Estritori

Australian homeowners are experiencing significant increases in home insurance premiums, largely due to the escalating risks associated with climate change. Recent analyses reveal a national average premium hike of 14%, translating to an additional $343 annually for policyholders. This trend underscores the growing financial burden on homeowners as extreme weather events become more frequent and severe. - read more

Competitive Market Dynamics Drive Down Construction Insurance Costs

06 Dec 2025: Paige Estritori

The Australian construction insurance market has entered a notably softer phase in 2025, characterized by a significant reduction in premiums across various lines. This shift is primarily attributed to increased competition among insurers, offering clients more options and driving down costs. - read more

QBE Insurance Faces Market Challenges with Slower Premium Growth

28 Nov 2025: Paige Estritori

QBE Insurance Group, Australia's largest insurer by market value, recently reported a slowdown in premium rate growth, leading to a significant decline in its share price. The company's global average premium rate increased by only 1.5% in the nine months leading up to September 30, 2025, a decrease from the first-half pace. This deceleration is primarily attributed to slower growth in business property insurance prices. - read more

EQT's Bid to Acquire AUB Group: Implications for the Insurance Sector

28 Nov 2025: Paige Estritori

In a significant move within the Australian insurance industry, Swedish private equity firm EQT has extended a takeover offer for AUB Group, valuing the company at A$5.25 billion. This proposal includes a price of A$45 per share, representing a 25.1% premium over AUB's last closing price. Following the announcement, AUB shares surged up to 11% to A$39.95, though they remained below the offer price. - read more

Australian Insurers Report Record Profits Amid Market Dynamics

28 Nov 2025: Paige Estritori

Australia's general insurance industry has reported a return on equity (ROE) of 19% for the 2025 financial year, marking the highest in a decade. This impressive performance is attributed to a combination of factors, including benign weather conditions, strong investment gains, and the continued flow-through of premium increases. - read more

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Knowledgebase

Term Life Insurance:
A type of life insurance policy that provides coverage for a specified period, such as 10 or 20 years.

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