Services for Lettings Agents

HM work closely with Letting Agents throughout the UK providing insurance and tenant referencing solutions.


We are a leading, privately owned independent provider of business insurance, private client’s insurance, and tenant referencing services. Our dedicated Let Property Team are able to provide you with the insurance expertise and advice relevant to your specialist business.


Our specialist lettings insurance team will work with you to identify the insurance requirements for your business. We can provide insurance policies including:

  • Professional Indemnity Insurance
    This is essential cover for lettings agents to protect them from repercussions resulting from professional errors, omissions, or negligence from your staff.
    Find out more about Professional Indemnity Insurance
  • Office and Business Insurance
    We can advise you on the most appropriate business insurance to meet the needs of your lettings agency and provide you with risk management advice.
  • Fleet Insurance
    It’s common to have a fleet of company cars to help your agents get from property to property for viewings, inspections, and meetings. We can make sure you’re covered.
    Find out more about Fleet Insurance
  • Public and Employers’ Liability
    Essential protection for your employees and other third parties you come into contact with during the course of your work.

Having worked closely in providing insurance and services for lettings agents throughout the UK, we’re also able to offer a range of services and partnership options – giving you the potential to earn additional income.




"Their holistic approach is a revelation. It's not about selling disparate insurance policies, it is about seeing how each part of the business insurance and operation can have integrated protection so that there are considerable savings for the business as a whole."

Lisa Isles

Morgan Associates

"They really get to know your business so that the insurance is specific to your needs"

Stuart Gregory

EHB Reeves


As well as insurance to protect your own letting agents business should the worst happen, we also offer insurance partnership options to allow you to offer insurance policies to your landlords and tenants – ensuring they are protected and giving you the opportunity to earn additional income.
We can work with you to set your commission rates and design insurance packages suitable to your typical clients, including:

  • Landlords Buildings & Contents Insurance
  • Tenants Contents insurance
  • Landlords Rent & Legal Insurance
  • Commercial Property Owners Insurance



However hard we try to vet our tenants or longstanding the tenant, their circumstances can change. Tenants can lose their jobs and relationships can break down. This can unfortunately result in them defaulting on their rent. It used to be fairly easy to evict a tenant in 2 – 3 months. Now it is a minimum of 6 months with a big delay on court cases. There is little or no state assistance for the landlord. This is where Rent Guarantee & Legal Expenses Insurance can assist.

This covers you for:

  • Rent payments in the event of a tenant default up to 12 months or vacant possession, whichever is the sooner
  • A mediation service to attempt to resolve the issue with the tenant
  • The legal costs of eviction, including court costs and issuing notices
  • Legal costs to cover other disputes with tenants



Alongside lettings agent insurance, we also offer a tenant referencing service enabling tenants to be thoroughly screened. You’ll have a dedicated account representative and full access to our system to quickly and easily access the status of any referencing check.

We understand that lettings agents often already have their own screening processes in place, so we offer a range of options including a full reference service, referencing software and pre-screening.


As a lettings agent, you will have access to our specialist, friendly in-house property team, who will always be on hand to look after you and provide you with ongoing advice and support. As one of only around 5% of UK insurance brokers who are a Chartered Broker, you are able to benefit from our competitive premiums, expert advice and claims management for your letting agent insurance. HM Property Clients benefit from:

  • Access to deals from leading UK insurers
  • Expert and up-to-date advice from our in-house property insurance team
  • Exclusive policy wordings from top UK insurers
  • Access to our tenant referencing service
  • Access to our insurance partnership scheme
  • Dedicated specialist property claims team acting on your behalf

Our Experts

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