Property Sourcing Insurance for Your Business
Finding the right property sourcing insurance can be complex. At NAPSA, we’ve partnered with Insurance-Desk to provide bespoke, affordable, and comprehensive coverage tailored specifically for sourcing agents and deal packagers.
Do property sourcers need insurance?
Yes. Professional indemnity insurance is essential — and effectively expected — if you source properties or package deals for investors. Without it, you're personally exposed if a client claims your advice or service cost them money, and most investors and buyers will want to see proof of cover before they work with you. It's a core part of setting up compliantly.
Comprehensive Coverage for Property Sourcers
Finding the right insurance as a property sourcing agent or rent to rent operator doesn't have to be complicated. NAPSA has partnered with Insurance-Desk Services to bring you a tailored, all in one insurance scheme built specifically for agents in your space — with a straightforward online quote process that gets you covered in minutes.
Insurance-Desk Services are an independent insurance broker with over 15 years of experience in commercial insurance. Their team understands the property industry from the inside, which means the cover they've built for sourcing agents actually reflects the work you do.
What's Included in the Scheme
One package brings four essential covers under a single policy, so you're properly protected without piecing things together:
✅ Professional Indemnity — from £250,000 (up to £5 million)
Covers you if a client claims your advice or service caused them a financial loss. Essential for all sourcing agents and deal packagers.
✅ Public Liability — £2 million as standard (up to £5 million)
Covers you for injury or property damage to third parties — important if you're visiting properties or meeting clients.
✅ Employers Liability — included as standard
A legal requirement if you have employees or contractors working for you.
✅ Directors and Officers Cover — from £100,000 (up to £5 million)
Protects you personally against claims relating to your duties as a director. Typically costs around £150 as a standalone policy, included here as standard.
Insurance-Desk and NAPSA
Insurance is essential for safeguarding your property sourcing business. With Insurance-Desk, you’ll receive tailored coverage, expert claims support, and peace of mind, ensuring your business stays protected and compliant. This can help keep your business running and assists with a key part of being complaint as part of your NAPSA membership.
We strive to help as many Property Agents as possible which runs in conjunction with the objectives of NAPSA to run a compliant sourcing business.
Insurance-Desk provides exclusive discounts for NAPSA Members. If you're not a member you can still get a quote by completing the form below.
What it costs — and the NAPSA member discount
NAPSA members get an exclusive discount, applied automatically through the member quote link. You can spread the cost by monthly direct debit, or save 4% by paying annually.
Only need Professional Indemnity? You can remove Employers' Liability and D&O cover — but for around £50 more, the full package is excellent value.
Anyone can get a quote using the form on this page.
NAPSA members use the member quote link to have the discount applied automatically.
Is This Scheme Right for You?
The scheme is designed for property sourcing agents and rent-to-rent operators with turnover under £250,000. To be eligible you'll confirm:
No previous claims or financial issues.
If you do rent-to-rent, a signed contract is in place with the principal landlord.
You're not providing investment advice, yield guarantees or financial recommendations to clients.
If your work includes project management, or your turnover exceeds £250,000, Insurance-Desk can quote you separately — just contact them directly.
Note on yield and investment advice: if your marketing or deal packages present specific yield figures or return projections as guarantees, that may fall outside the policy. There's an important difference between sharing publicly available comparables and giving personal investment advice — if unsure, speak to Insurance-Desk before applying.
See How It Works
Where it fits + onward routes
Where it fits in getting set up: get your professional indemnity cover in place before you join your redress scheme (they'll ask for proof) and before you register with HMRC. Our [registrations guide] shows the full order.
Get set up properly: the Complete Sourcing Programme covers your training, documents, guided setup and a year of membership.
Just need the roadmap? The free setup guide walks you through what you need. → Free setup guide
Already compliant and just want the credibility? NAPSA membership on its own may be all you need. → Membership
Frequently Asked Questions
Do I need insurance as a property sourcing agent?
Yes. Professional Indemnity insurance is essential and legally required if you are sourcing properties or packaging deals for investors. Without it, you are personally exposed if a client claims your advice or service caused them a financial loss. Many investors and buyers will also expect to see proof of cover before working with you.
What is Professional Indemnity insurance and why do I need it?
Professional Indemnity (PI) insurance protects you if a client holds you responsible for a mistake, oversight, or piece of advice that results in a financial loss for them. For sourcing agents and deal packagers, this is the most important cover to have in place. Claims can arise years after the original transaction, which is why PI works on a "claims made" basis, meaning it's your current insurer who handles a claim, not the one you had when the deal took place.
What is a retroactive date and do I need one?
A retroactive date is the point from which your PI cover applies. If you set it to today, any events that occurred before today won't be covered. If your business has been running for some time, it's important to set this back to the start of your business, or at least six years prior, so that older deals are still protected should a claim arise. If you are setting up a new business, the retroactive date can simply be your start date.
What does Directors and Officers cover actually protect?
Directors and Officers insurance protects you personally if a claim is made against you in your capacity as a company director. This could include allegations of mismanagement, breach of duty, or wrongful acts carried out in your role as a director. It's a cover that's often overlooked by small businesses but can be significant if things go wrong. With Insurance-Desks sourcing agent scheme, it's included as standard.
Can I get insurance if I do deal packaging?
Yes. The scheme covers property sourcing and deal packaging activities. However, if your work includes providing specific yield projections, return on investment figures, or financial advice to investors, this may fall outside the scope of the policy. Always ensure your deal packages present comparables clearly and avoid making guarantees about returns. If you are unsure whether your activities are covered, speak to Insurance-Desk directly before applying.
Does this scheme cover rent to rent operators?
Yes. The scheme covers rent to rent operators, either on its own or combined with property sourcing. If you are doing rent to rent, you will need to confirm that a signed contract is in place with the principal landlord to be eligible.
What if I also do project management work?
Project management is not covered under this scheme. If this is part of your business activity, Insurance-Desk can still quote you on a separate basis, just get in touch with them directly before you move to get your quote.
Can I pay monthly?
Yes. You can spread the cost with monthly direct debits, or pay annually and save 4%.
How do NAPSA members get their discount?
The member discount of 10–15% is applied automatically when you use the member quote link. You'll need to be logged in to your NAPSA account to access it.
What if my turnover is over £250,000?
The scheme is designed for businesses with a turnover under £250,000. If yours exceeds this, Insurance-Desk can still arrange cover for you outside of the scheme, just get in touch with them directly