Real estate agent, which insurance to choose?

Real estate agent, which insurance to choose?


We'll explain everything you need to know about insurance if you're a real estate agent. In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. Others are optional but strongly recommended. What guarantees should you take out? What are your specific needs as a real estate agent? What are the main risks in your business? When do you become responsible as a real estate agent? In addition, there are many insurers and it is never easy to know where to turn or which cover to choose. We explain everything to you and give you a list of the best real estate agent insurance.

Summary

    Real estate agent, what are your compulsory insurances?
    What is the price of professional real estate agent insurance?
    Real estate agent professional civil liability insurance
    What are the guarantees of the RC Pro real estate agent insurance?
    What are the best real estate agent insurance?

Real estate agent, what are your compulsory insurances?
Professional real estate civil liability
Status
Obligatory
advice
Recommended for everyone to protect themselves in the event of misconduct or professional accidents (which may expose you to criminal charges)
Financial guarantee
Status
Mandatory in the event of handling of funds
advice
The amount of the guarantee must at least be equal to the sums you owe
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed
advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
advice
If your vehicle is already insured in person, do not forget to include professional use in your contract (this is often possible)
Professional multi-risk
Status
Mandatory if you have a private workplace (practice)
advice
Covers your business premises and loss of activity linked to a disaster (fire, burglary, etc.)
Foresight
Status
Optional
advice
Daily allowance insurance is particularly recommended for liberals
What is the price of professional real estate agent insurance?
Professional Liability
Average annual price (€)
€ 578 / year
Pricing criteria
Turnover, claims, years of experience
Advice
The certificate will be required to obtain your T or G card
Company mutual
Average annual price (€)
€ 26 / month for an employee and € 35 for a TNS
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car Insurance
Average annual price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Multi-risk insurance pro
Average annual price (€)
40 € / month
Pricing criteria
Surface area, geographical area, turnover
Advice
To save money, some contracts also include RC PRO
Foresight
Average annual price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness

Our real estate agent insurance comparators:
COMPARE 12 RC PRO CONTRACTS
COMPARE 34 TNS MUTUAL OFFERS
Real estate agent professional civil liability insurance

The real estate agent RCP protects you in the event of damage caused to a third party during your professional activity. This concerns both personal injury and accidents at your workplace.

Although you do not have a legal obligation to take out professional liability insurance if you are an employee, this insurance is highly recommended. Indeed, a client can call into question your personal liability when it has no connection with the establishment for which you practice. In all cases, the real estate agency in which you work must be covered by a RCP.

This insurance is compulsory if you are an independent real estate agent.
What are the guarantees of the RC Pro real estate agent insurance?
Professional Civil Liability (RCP)
Main risks
Choice of an insolvent tenant, collection of rents in the event of default by a tenant, incorrect information on the property for sale
Probability
Important
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