Real estate agencies
Real estate risk, clearly understood.
For real estate agencies, from independent offices to national franchise groups, we combine experienced judgement with technology to understand what drives your agency, then shape insurance around what matters most.
Sector experience
We know the real estate business.
Real estate is not just another industry to us. We understand how agencies win listings, manage properties, hold client funds and grow, and we know where risk sits in each part of that operating environment.
What we bring
Advice across the sector
We advise independent agencies, franchise networks and large corporate real estate firms, so we know how risk changes with scale and structure.
Technology built for property
Our technology founders have built solutions for the real estate and property sector, so we understand the systems your agency runs on and the risks that come with them.
The operating environment
Licensing obligations, trust accounting, property management and franchise arrangements: we know the rules your agency works within, and where cover needs to respond.
Where risk sits
Where agency risk really sits.
Agencies carry a distinct mix of risk: the advice your agents give, the funds you hold in trust, the properties you manage and the client data you keep. We look at every part of your agency and help you decide what to insure, what to manage and what to carry.
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Sales and leasing
What can go wrong
A vendor says the property was undersold, a buyer claims it was misrepresented, or a regulator investigates.
How we advise
Professional indemnity limits set to your real exposure and licensing requirements, plus practical steps that reduce claims.
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Property management
What can go wrong
A landlord blames you for unpaid rent, a missed repair or tenant damage, or a bond dispute goes to tribunal.
How we advise
A review of your management agreements, with cover shaped around your rent roll.
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Your trust account
What can go wrong
Staff fraud, a reconciliation error or a payment made to the wrong account.
How we advise
Controls that help prevent the loss, backed by the right protection.
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Your data and systems
What can go wrong
A hacked mailbox sends fake bank details, a deposit is redirected, or client records are exposed.
How we advise
Payment verification and incident planning, backed by cyber cover.
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Your people
What can go wrong
A commission or contractor dispute, a workplace claim, or a regulator pursuing a principal.
How we advise
Clarity on how agents and contractors are engaged, plus protection for your leaders.
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Offices and open homes
What can go wrong
A visitor is injured at an open home, an agent has an accident, or there is a fire or break-in.
How we advise
Cover for your offices and people on the road, plus simple checks that make inspections safer.
How we work with your agency
From first review to what comes next.
We get to know how your agency works, agree on the support you need and build your insurance around it. A dedicated adviser stays close as your business changes.
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Observe
Build your profile
We bring together the details that matter, from your people and offices to your rent roll, agreements and current cover.
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Analyse
Understand your risk
We review how your agency operates and use that information to build a clear risk profile.
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Protect
Shape your cover
Your adviser explains the options, works through the decisions with you and arranges insurance around your agency.
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Stay alongside
Stay alongside you
Your adviser helps with day-to-day needs, renewals and claims, and adjusts the program as your agency changes.
For franchise groups
The partner for your group, and every franchise in it.
One clear insurance standard across your network, a senior broker for each franchise, and technology that helps your clients arrange cover under your brand.
For head office
One standard across the group
We agree the minimum arrangements with you, so every franchise starts from the same position.
For each franchise
A senior broker, not a call centre
Program review, cost-effective solutions and claims management.
For your clients
Insurance under your brand
Home and contents, landlord and other insurance, with a named adviser behind it.
Start with a review
Know where your agency stands before your next renewal.
A complimentary, no-obligation review from a senior adviser. Most agencies renew their insurance without anyone asking whether it still fits. A review gives you a clear, fresh view of where you stand, and time to act before your renewal. It is confidential, and the written summary is yours to keep. If everything is in order, we will tell you so.
A review will
- Check your professional indemnity limits against licensing and real exposure
- Test your protection against trust account fraud and payment redirection
- Review your cyber cover and incident response
- Check your cover against your franchise, lease and management agreements
- Identify new risks since your last renewal, such as new offices or rent rolls
- Confirm your insurers are the right fit for your agency
Your insurance should be designed, not inherited.
Contact details
- Sydney
- Level 9, 32 York Street
Sydney NSW 2000 - Melbourne
- 489–505 Toorak Road
Toorak VIC 3142
A Cohabit Group company
Contega is the commercial risk advisory business within the Cohabit Group, a risk intelligence company built around clearer data, better decisions and smarter insurance outcomes.
Visit cohabit.com.au (opens in a new tab)