Property Maintenance Public Liability insurance
- Underwritten by Zurich Insurance Company Ltd.
- Rated Excellent on Trustpilot
- Save 10% with B&Q TradePoint
- Expert UK telephone support
- Specialists in Tradesman insurance
Whether you handle repairs, general upkeep, or ongoing maintenance contracts, property maintenance insurance can support your business if your work leads to injury, damage, or unexpected costs.
What is Property Maintenance Insurance?
Property maintenance insurance is designed for businesses and tradespeople carrying out repair, upkeep, and maintenance work on residential or commercial properties.
Because property maintenance often involves working in customer homes, rental properties, communal areas, or commercial buildings, there can be risks linked to accidental damage, injury, or disruption during day-to-day work.
Property maintenance insurance can include different types of cover depending on the work you carry out, such as:
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Temporary Total Disablement Benefit
How much does property maintenance insurance cost?
The cost of property maintenance insurance will depend on several factors linked to your business and the type of work you carry out.
These can include:
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The type of maintenance work completed
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The level of cover selected
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Number of employees or subcontractors
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Claims history
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Business experience and turnover
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Whether multiple trades are carried out under one business
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The location and type of properties you work on
If you're comparing insurance prices for your property or home maintenance work, getting a quote can help you understand what cover may suit your business setup.
Do you need public liability insurance for property maintenance?
Property maintenance work is often carried out in environments where damage or injury could affect customers, tenants, visitors, or neighbouring properties.
For example:
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A tool or material could damage flooring, walls, or fixtures
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Maintenance work could affect nearby property or shared spaces
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Someone could be injured while work is being carried out
This is where property maintenance insurance and public liability cover can help, providing support if claims for property damage or injury to third parties are linked to your work.
Fixed Price, Fixed Peace of Mind
Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.
Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.
Understanding the problem
Property maintenance comes with its own risks and dangers. Whether it’s a trip over a tool box, a fall off a ladder and accidental damage to property, there are plenty of hazards you, a customer, or a member of the public need to be mindful of, and each could have severe consequences for your business.
Finding the solution
With the right property and home maintenance insurance, you can protect your business from the financial fallout of unexpected events. At Trade Direct Insurance, we specialise in comprehensive and affordable Public Liability insurance specifically designed for those who work in property maintenance.
Our policies offer the peace of mind you need to focus on what you do best – delivering quality property maintenance services.
What does property maintenance liability insurance cover?
✔ Public Liability Insurance: Helps cover claims if your work causes injury to a third party or damage to their property.
✔ Property Damage: Covers accidental damage to someone else’s property caused by your work.
✔ Legal defence costs: Can help cover legal expenses linked to claims made against your business following covered incidents.
✔ Tools and Equipment Insurance: 24/7 cover for tools and equipment following theft from a locked vehicle.
✔ Professional indemnity insurance: Covers financial losses linked to advice, specification, or professional recommendations.
✔ Third Party Financial Loss: Covers financial losses experienced by others as a result of your work.
✔ Temporary Total Disablement Benefit: Provides a weekly payment if you’re unable to work due to injury, subject to policy terms.
Why choose our Public Liability insurance for property maintenance?
We understand the unique challenges of your trade, and our property maintenance insurance policies are specifically designed for businesses working across residential and commercial properties.
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Over 40 years of experience in trade insurance
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Underwritten by Zurich Insurance Co Ltd.
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Rated Excellent by tradespeople on Trustpilot
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UK-based support team
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Tailored for property maintenance trades
Your Property and Home Maintenance Insurance cover options
Essentials
Our Essentials package includes Public Liability insurance and cover for Third Party Financial Loss.
✔ Public Liability insurance up to £5 million
✔ Third Party Financial Loss £100,000
✔ Employers’ Liability insurance (£10 million available as an optional addition)
Suitable for: Businesses looking for straightforward maintenance insurance and liability protection.
Classic
Our Classic package builds on Essentials by adding Professional Indemnity cover, Capital Death Benefit, and Tools cover.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Employers' Liability insurance (£10 million available as an optional addition)
Suitable for: Property maintenance businesses looking for broader protection, including tools and professional advice.
Also includes: Price Freeze (2 years, T&Cs apply)
Plus
Our most comprehensive option, the Plus package builds on Classic by adding Temporary Total Disablement Benefit.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Temporary Total Disablement Benefit up to £600 a week per person
✔ Employers' Liability insurance (£10 million available as an optional addition)
Suitable for: Businesses looking for more comprehensive property maintenance insurance, including cover if you're unable to work due to injury.
Also includes: Price Freeze (2 years, T&Cs apply)
Optional Extras
Optional extras can be added depending on your needs:
Who and what we cover
Cover can apply to a wide range of property maintenance work, including:
✔ Residential property maintenance
✔ Commercial property upkeep
✔ General repairs and maintenance
✔ Basic plumbing and electrical maintenance
✔ Exterior maintenance and repair work
✔ Multi-trade maintenance services
Our policies are built for:
✔ Partnership
✔ Limited companies
✔ Limited liability partnerships
✔ Contractors and subcontractors
✔ Property maintenance businesses
Suitable for businesses providing ongoing services and seeking property maintenance insurance for work on homes and commercial properties.
Tools Insurance
Tools are your livelihood, that's why we offer standalone cover just for your tools. A great addition to an existing policy, tools insurance covers you up to £15,000.
Van Insurance
Get covered with comprehensive, third party fire & theft or third party only. Check out our cover options, features and benefits.
Builders’ Public Liability Insurance
Builders’ public liability insurance for UK trades. Protect your business from injury and damage claims with flexible builders insurance.
Get your property maintenance insurance quote today
Don't leave your business vulnerable to unexpected risks. Get the peace of mind you deserve with comprehensive Public Liability insurance designed for property maintenance tradespeople.
Get a personalised quote today and see how affordable peace of mind can be.