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 liable 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 the 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?
Professional civil liability insurance real estate agent
What are the best real estate agent insurance?
Real estate agent, what are your compulsory insurances?
Professional Civil Liability Insurance (RCP)
Status
Obligatory
advice
Alur Law - to protect you from the financial consequences of your RCP
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 (€)
59 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
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
CONTRACTS
RC PRO INSURANCE
COMPARE 34
CONTRACTS
MUTUAL TNS
COMPARE 7 CONTRACTS
INSURANCE
MULTI-RISK
Professional civil liability insurance real estate agent
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.
Since the Alur law of March 2014, the real estate agent - or real estate commercial agent - must provide proof of a professional civil liability guarantee for the exercise of his profession. It is therefore compulsory.
What are the guarantees of the RC Pro real estate agent insurance?
Civil liability pro
Main risks
Omission or error in diagnosis (eg water purification), breach of the duty of information, lack of advice
Probability
Important
Comments
Many possibilities of questioning your liability - compulsory protection but also essential
Guarantee of recourse and criminal defense
Main risks
Procedure initiated by your real estate agents in the event of professional misconduct
Probability
Important
Comments
Very useful if the event is excluded from the liability guarantee. Attention, exclusion of professional acts prohibited by law or not authorized for the insured
Juridic protection
Main risks
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