Skip to main content


Real estate agent insurance

Let Marsh arrange your risk management solutions, so you can service your real estate clientele with peace of mind.

                              0800 376 304

What are the benefits of expert risk management?

Risk is unavoidable in the real estate market. From ever-changing compliance obligations to customer due diligence, there are plenty of moving parts to manage. It’s easy to lose sight of specific risks and be caught off-guard. 

Our real estate team draws on extensive research – and a global perspective – to help you streamline and tailor your risk management solution. Get in touch today.

What’s covered?*

  • Professional indemnity

    Covers defence costs and compensation to third parties for loss caused by an alleged breach of professional duty during your performance of real estate services.

  • Directors and officers liability

    Provides cover for liability arising from alleged wrongful acts, errors or omissions on the part of your firm’s directors or management team.

  • General liability

    This policy protects your business when held liable for third-party property damage or bodily injury.

  • Statutory liability

    Covers fines, pecuniary penalties, reparations and defence costs resulting from incidental breach of statute during the course of business.

  • Employers liability

    Covers liability arising from personal injury sustained by an employee.

  • Employment disputes (personal grievances)

    Provides cover for reparations and legal defence costs when your firm faces a personal grievance or employment dispute.

  • Crime

    Provides protection against theft and malicious criminal activity, occurring externally or internally, including employee fraud and dishonesty.

Additional cover we can arrange

Product and services

Business vehicle

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.

Request a callback

Product and services

Business interruption

A storm, cyber attack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

Request a call back

Product and services

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Help protect your small business with cyber insurance solutions arranged by Marsh.

Request a call back

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

In business, we've got your back 

From mum and dad’s dairy, to national pizza chains, Marsh has a 60+ year history of supporting New Zealand’s business community. Our award-winning brokers are fluent in the latest global and Kiwi market insight and risk, but cut through the jargon to speak your language.  

Local expertise

Our New Zealand-wide network of brokers have spent years at the forefront, supporting business owners manage their unique risks in a fast-changing market. Our brokers keep ahead of the latest market insights, both local and global, and break down complex terminology.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Complimentary legal advice

Our offering includes one hour of complimentary legal advice with an AIG approved real estate specialist lawyer, each time a new claim notification is made. This is helpful for early loss mitigation and reducing the likelihood of a notification developing into an actual claim.

Monthly payments option

Marsh has a number of options available to help you pay your account with us, the right way for you. In order to manage cash flow, we can give you the option to spread the cost of insurance across 10 months.

Tailored to real estate agents

Marsh’s real estate insurance solution product suite has been carefully tailored over the past 20 years with insurers to help your business navigate and minimise these risks as and when they arise – freeing you up to focus on what matters most.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. At Marsh, our brokers will spot your unique set of risks, match you to the right choice, and advocate for you on price.

female insurance broker talking to clients

Frequently asked questions

Professional indemnity insurance is among the most highly recommended covers for any business – especially if advice or recommendations are part of its services.

This policy covers claims made by clients if your advice or guidance causes them or another third party financial loss.

A typical professional indemnity policy can cover allegations relating to:

• Breach of duty

• Breach of privacy or confidentiality

• Intellectual property infringement 

• Defamation

• Lost or damaged documents

• Reputation repair

• Claims investigation costs

• Negligence.

Typically, professional indemnity insurance cannot cover:

• Existing circumstances

• Intentional damage

• Contractual obligations 

• Bankruptcy.

Professional indemnity insurance can cover your business for up to $10 million.

Each real estate agency will face different risks. However, generally speaking, common risk exposures for real estate agents include:

  • Professional negligence

  • Incorrect advice

  • Compliance and reporting mistakes

  • Fraud and dishonesty

  • Conflicts of interest

  • Documentation mistakes 

  • Misleading information

  • Cybersecurity breaches

  • Breach of duty

  • Poor client communication.

Some risks are more prevalent for certain businesses. Whatever your risk profile, our brokers will tailor your policy to you.

In January 2019, Phase Two of the Anti-Money Laundering and Counter Financing of Terrorism Act 2009 (AML/CFT) came into effect.

This act encourages real estate agents to look out for:

  • Inconsistent activity in the customer’s business activity or profile, such as unusually large or complex transactions

  • Uneconomical purchases that don’t seem to cause the customer concern 

  • Hastiness to complete a property transaction
  • Attempts to evade customer due diligence by acting through an intermediary
  • Attempts to obscure the true beneficial owner of the property.

To get more information on how Marsh’s Specialty Practice can assist with real estate risk management, reach out to a Marsh specialist broker today.  

Yes. Professional indemnity insurance and errors and omissions insurance are interchangeable terms referring to the same cover.

Related insurance solutions

slected option

Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

Commercial property cover

Let Marsh arrange your commercial property insurance policy to help protect your business’s buildings, contents, and more.   

Business insurance

Need a range of covers to suit your business needs? Explore Marsh’s business bundles for glass, theft, contents cover and more.


Mortgage broker insurance

You find the right mortgage rates for your clients. We arrange competitive cover rates for you. Put your insurance in our expert hands.

Travel agent insurance

We can arrange insurance products and services that may suit the travel industry, including professional indemnity and income protection.

Accountancy insurance

You can count on Marsh to arrange insurance solutions to help protect you and your firm with comprehensive cover.    

Retail insurance

Whether you’re online or in-store, let Marsh service your insurance needs – so you can stay focused on your customers.

Events insurance

Let Marsh cater to your industry’s unique insurance needs – so you can keep your focus on the celebrations.  

Professional services cover

You’re an expert in your field. We’re experts in ours. Let Marsh arrange professional services cover tailored to you.

*Subject to terms, conditions and exclusions of the policy.

LCPA 23/150 

Marsh Ltd (NZBN 9429040918792)(“Marsh”) arranges insurance and is not an insurer. This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or product disclosure statements available from Marsh on request.