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Protecting inventory professionals from under £55* per year
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Get a QuoteOur standard cover is:
Inventory clerk insurance covers a profession whose reports become evidence. Every schedule of condition, check-in and check-out report you produce is the document a deposit dispute gets decided on, and when a landlord loses a claim or a tenant loses a deposit, the impartial report in the middle is suddenly very interesting to both sides’ solicitors. Professional indemnity insurance leads the policy for exactly that reason.
Professional Saver arranges business insurance for inventory clerks and inventory companies from £55* a year, with public liability as standard and professional indemnity scaled to the properties you report on. Get a quote online in five minutes; documents arrive the same day.
Professional indemnity insurance answers for the reports. If a landlord or letting agent alleges your professional negligence caused them financial loss, damage missed at check-in, cleanliness misrecorded, a schedule of condition that didn’t hold up in a deposit dispute, professional indemnity insurance pays the compensation and the legal costs of defending the claim. Defence matters in this profession because the whole product is impartial accuracy: a challenged report is a challenge to the business itself, and industry bodies such as the Association of Independent Inventory Clerks (AIIC) expect professional inventory providers to carry PI.
Public liability insurance covers the physical side of the job: property inspection visits across other people’s homes and rental property, among tenants and landlords, contractors and members of the public. If someone is injured or property damage is done while you work, public liability insurance covers the compensation and legal fees, with £1 million as standard and options up to £10 million.
Business contents and equipment cover protects the camera, tablet and kit the reports depend on (£100 excess), and employers’ liability insurance is usually a legal requirement once an inventory company employs anyone, including clerks working under your direction.
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Trusted for over 40 years We’ve been providing insurance to businesses since 1984
Financial Strength Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer
Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
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Because your reports decide money disputes. Deposit adjudications turn on the quality of check-in and check-out evidence. When the outcome disappoints someone, the report’s author is the easiest professional to blame, and PI cover funds the difference between an accusation and a proven error.
Because the work is judged in hindsight, room by room. A stain, a scratch or a missing item noticed months later invites the question “why isn’t this in the report?”. Impartial and unbiased is the job description, but hindsight is neither, and defending careful work still costs money.
Because letting agents and property managers ask. Agencies, property management firms and inventory panels increasingly require proof of PI and public liability before adding a clerk to their roster. The certificate is part of winning the instruction, and ours is available online the day cover starts.
Every policy includes public liability, products liability, legal expenses and £10,000 of financial loss cover as standard, from £55* a year. You then shape the type of insurance to the business:
From £55* a year for the base policy. The main variables are the level of professional indemnity your agency clients require, the volume and value of properties you report on, whether you employ other clerks, and your claims history. A sole-trader clerk working for local letting agents sits at the affordable end; get a quote online, itemised in about five minutes, with monthly instalments available.
An inventory clerk sells the one version of events everyone can trust. Get an inventory clerk insurance quote online from £55* a year, backed by an insurer rated AA- (Stable) by Standard & Poor’s, and protect your business when someone decides the trusted version is the problem.
* Total number of live policies as of 31/10/2025
From only£55per year From only£55per year From only£55per year From only£55per year From only£55per year From only£55per year Only employers’ liability insurance is required by law, and only once you employ someone. The practical requirements come from clients: letting agents, property managers and panel operators enforce PI and public liability requirements contract by contract, which for a working clerk amounts to the same obligation.
£1 million is the common floor and satisfies most agency panels; larger property management contracts sometimes specify more. Sense-check against the properties rather than your fee: a disputed report on a high-value rental property carries the dispute’s costs, not the inspection invoice.
Yes, the cover follows the professional service rather than the report type. What matters at quote stage is describing the mix honestly, volume, property types, whether you subcontract, because that’s what makes the certificate dependable when a deposit dispute turns legal.
Same covers, scaled: employers’ liability arrives with the first employed clerk, PI limits track your agency contracts, and equipment cover grows with the kit. Clerks working as subcontractors under your brand should be described at quote stage, because whose insurance answers for whose report is exactly the question a claim asks. Our property management insurance page covers the neighbouring profession if your business spans both.
