Every real estate transaction generates an immediate need for insurance: home, mortgage-related life, condominium. However, most real estate agencies do not capitalise on this opportunity, leaving clients to seek solutions on their own — often with suboptimal results. A structured partnership between real estate agencies and insurance brokers creates value for everyone: the client receives specialised advice at the right time, the real estate agency generates recurring additional revenue, and the broker gains access to a qualified client flow.
At Adler & Rochefort, we have developed a partnership programme with real estate agencies based on transparency, quality of service, and fair commission sharing. We explain how it works and why it benefits all parties involved.
The insurance policies that accompany every real estate transaction
When a client buys, sells, or rents a property, there are mandatory insurance policies and others strongly recommended that should be taken out in parallel with the transaction:
- Multi-risk home insurance: mandatory for properties with a mortgage and highly recommended for all owners. Covers fire, water damage, storms, theft, and civil liability
- Mortgage life insurance: mandatory in most mortgage contracts. Guarantees loan repayment in case of death or disability of the borrower
- Condominium insurance: legally mandatory for all autonomous units under horizontal property regime. Covers the common parts of the building against fire and other risks
- Contents insurance: protection of household contents (furniture, appliances, personal belongings) against theft, damage, and natural disasters
- Owner's civil liability insurance: protection against claims from tenants or third parties for damages related to the property
How the partnership with Adler & Rochefort works
Our partnership model has been designed to be simple, transparent, and legally compliant. The real estate agency does not need to be an insurance broker — it just needs to refer clients:
- Simple referral: the real estate agency introduces the client to Adler & Rochefort at the time of the transaction, through a dedicated form or direct contact
- Specialised advice: our team contacts the client, analyses their needs, and presents the best market solutions, at no cost to the real estate agency
- Commission sharing: for each policy taken out through the referral, the real estate agency receives a transparent and recurring commission for the duration of the contract
- Recurring commissions: as home and mortgage life insurance policies renew annually, the real estate agency benefits from continuous passive income for each referred client
- Reports and transparency: access to a dashboard showing the status of each referral, policies taken out, and commissions generated
Advantages for the real estate agency and the client
A well-structured partnership creates a virtuous cycle that strengthens the client relationship and generates tangible value for the real estate business:
- Additional revenue without investment: the real estate agency generates recurring commissions without the need for licensing, training, or additional structure
- Complete client service: offering insurance as a complement to the transaction positions the real estate agency as a comprehensive partner, not just a buying and selling intermediary
- Savings for the client: through a specialised broker, the client gains access to competitive conditions from various insurers, instead of accepting the bank's first offer
- Independent mortgage life insurance: many clients are unaware that they can take out life insurance outside the bank, often with savings of 30% to 50% on the premium
- Long-term loyalty: continuous monitoring of insurance policies keeps the relationship with the client active, generating opportunities for future transactions
- Guaranteed legal compliance: the legal framework of the partnership is ensured by Adler & Rochefort, complying with all ASF regulations
At Adler & Rochefort, we believe that the best partnerships are those where all parties win. If your real estate agency wants to offer a more complete service to clients and generate additional revenue sustainably, contact us to learn about our partnership programme.