Insurance property maintenance businesses
What insurance do property maintenance professionals need?
Property maintenance can incorporate a number of trades, from gardening to painting to light building work. Ensuring you have adequate cover for all your business activities can give you peace of mind to focus on the job in hand.
There’s a range of covers available for you to pick and choose so you get a tailored policy and only pay for the covers that are relevant to you.
Covers for property maintenance businesses
Public liability insurance
When you’re working at clients’ homes or premises, public liability insurance is a must-have. It can offer financial protection against accidental damage or accidental injury to third parties as a result of the work you do. If you accidentally knocked over a pot of paint that spilt onto a carpet, you could be liable to rectify the damage. If a customer fell over your toolbox and claimed compensation for the injury, you’d be typically protected under public liability cover. If you are undertaking work which involves the use of heat, for instance working with a blowtorch, there are greater risks involved so the need for effective, comprehensive public liability cover is even more important
Employers' liability insurance
If you employ people, whether it’s on a full or part-time basis, then you’ll need to take out employers’ liability insurance in case a member of staff has an accident at work. You’re required to do this by law, but both public and employers’ liability can be purchased together in one easy to buy property maintenance insurance policy.
Property maintenance tool cover
Most tradesmen rely on their tools to trade. If your tools were stolen, you could find yourself unable to do your job. By adding tool cover to your property maintenance insurance you could minimise the disruption to your business and get back up and running without having to bear the full cost of replacing them.
Commercial legal protection
Litigation proceedings are becoming more and more common. Commercial legal protection can cover certain business-related events to give you financial peace of mind if a customer takes you to court. It can also offer protection against tax and VAT disputes and employment disputes as well. While some insurers will include this as standard others offer it as an additional extra.
Personal accident cover
Working in property maintenance has many benefits, including the perks of being your own boss. However, what would happen to you if you injured yourself or fell ill for any length of time. You hope this won’t happen, however in order to be prepared for these unexpected events you may want to consider adding personal accident and sickness insurance to your policy which can provide you with a weekly income to help you financially whilst you recover.
Commercial vehicle insurance
If you have a van as part of your property maintenance business see our business van insurance page for more information.
Comprehensive property maintenance insurance
People put their trust in you to do a good job. Our customers do the same. We’re committed to finding you a great value property maintenance insurance policy to make arranging your property maintenance insurance simple and hassle-free.