Operating in London’s property market demands precision, compliance, and accountability. Whether you’re an estate agent, landlord, surveyor, or investor, even a minor oversight can lead to significant financial consequences. That’s why professional liability insurance — also known as professional indemnity insurance (PI) — is a crucial layer of protection for property professionals.
At Fraser Bond, we ensure our clients understand not only the importance of professional liability coverage but also how it fits within a wider compliance and risk management strategy.
Professional liability insurance protects businesses and individuals who provide advice or services against claims of negligence, error, or omission. In the property sector, this could involve an agent giving incorrect valuation advice, a surveyor overlooking a structural defect, or a consultant missing a compliance deadline.
Key protections typically include:
Negligence or Breach of Duty – Covers mistakes or professional oversights.
Defamation or Misrepresentation – Protection against claims of reputational harm or misleading statements.
Legal Defence Costs – Covers legal fees and settlements.
Loss of Documents or Data – Protection in case of accidental loss impacting a client.
Without adequate cover, even a single claim can result in significant legal and financial exposure.
London’s real estate industry is highly regulated and competitive, with clients expecting transparency and professionalism at every stage. Professional liability insurance ensures that businesses can operate confidently, knowing they are protected if a client disputes advice, performance, or communication.
For property agents and advisors, FCA, RICS, and ARLA compliance frameworks require adequate indemnity cover as a condition of membership or licensing. This makes liability insurance not just prudent, but mandatory in many cases.
Fraser Bond supports clients in understanding these requirements and integrating insurance policies into their broader compliance portfolio.
Several established insurance providers offer specialist cover tailored for property professionals:
Hiscox – Widely recognised for small-business and real estate PI cover.
AXA UK – Provides comprehensive indemnity solutions for agents, landlords, and consultants.
Aviva – Offers scalable business protection for agencies and multi-disciplinary firms.
Zurich UK – Focused on high-value professional and corporate portfolios.
RSA Insurance Group – Trusted for corporate and institutional real estate coverage.
Fraser Bond collaborates with leading brokers who work directly with these providers to create bespoke insurance solutions that match each client’s risk profile.
Beyond insurance, effective risk management means ensuring policies align with your company’s operational structure and legal obligations. Fraser Bond assists property businesses in:
Reviewing existing indemnity coverage levels
Ensuring policies meet RICS or FCA minimum standards
Coordinating renewal schedules and documentation
Advising on complementary policies such as employer’s liability or cyber cover
This holistic approach keeps clients compliant and fully protected against professional and reputational risk.
As a trusted London property consultancy, Fraser Bond provides more than transactional support. We combine sales, lettings, compliance, and risk advisory under one roof, helping clients protect their assets, income, and professional standing.
Our expertise ensures that every landlord, investor, or agency partner operates with complete confidence — supported by reliable insurance, informed strategy, and transparent service.
Protect your property business with professional liability insurance tailored to your needs.
Visit FraserBond.com or contact our London advisory team for guidance on compliant cover and risk management.
