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PROPERTY MAINTENANCE INSURANCE
Property Maintenance Insurance helps protect your business from the day-to-day pitfalls that you might face whether working on domestic properties or commercial buildings. As a Property Maintenance Contractor, you’ll likely face an array of different tasks and jobs, meaning you’re exposed to a variety of risks. Fortunately, Rhino offers a suite of products that can help protect you from the risks you face on a daily basis.
What is Property Maintenance Insurance?
Property Maintenance Insurance offers financial protection from the risks associated with your line of work as a Property Maintenance Contractor. Whether you’re working on domestic or commercial property, your line of work faces many different types of risk that could cause damage or pose significant risks to you, your business, or members of the general public. So ensuring that you have the right cover in place can be paramount should something go wrong.
Public Liability Insurance for Property Maintenance Contractors
As a Property Maintenance Contractor, your business would benefit tenfold by having Public Liability Insurance. At Rhino Trade Insurance, our insurance whizzes have developed excellent cover options tailored to your industry's requirements. If something goes wrong, you will face a significant challenge to your business if you don't have this cover in place.
Since it provides the foundation for all other policy options, it is our most popular insurance product. From Public Liability Insurance, everything else grows. It's there to keep you safe from causing injury to a customer or damaging a customer's property.
Depending on your requirements, you can get coverage from £1 million to £5 million, and our policies start at just £8.49 per month.
Get a better understanding of our Public Liability Insurance:
Monthly protection insurance starts at £8.49!
Our standard excess is £500 for any liability claim that is not directly attributable to the use of heat.
Coverage for £1 million, £2 million & £5 million.
You will not be charged any administrative fees.
Use our monthly Direct Debit offer, which applies to all policies and doesn't charge interest.
You can immediately access your certification and documentation by logging into your online account. We will even email it to you.
Read more about Property Maintenance Public Liability Insurance here.
Why do I need Property Maintenance Insurance?
Ensuring that your business has a well-rounded insurance package in place can be imperative should something untoward happen to your business. Without the correct cover your business will be left to foot the bill. However, with the right cover in place, your insurance provider can help cover those costs up to your chosen level of cover.
There’s also the reputational side that you need to consider. An insured business helps give peace of mind to customers knowing that should something untoward happen whilst carrying out work for them, that your business is financially protected and they won’t be left with an expensive bill to pay.
If you’re looking to pick up contracted works, you’ll often be required to at least have a Public Liability Insurance policy in place and will be required to show a Public Liability Insurance certificate (link to this) as proof.
Did you know: Almost 80% of Rhino customers have insurance for peace of mind.
What cover do I need?
That’s dependent on what your specific business requirements, but a good place to start is Public Liability Insurance. That protects you should you cause damage, injury or death to a customer or their property whilst you’re at work. It’s often a requirement for contracted work.
Rhino Trade Insurance offers the following kinds of insurance to Property Maintenance Contractors and their businesses:
Because it provides the essential protection you need if you cause damage, injury, or death to your customer or their property while you are at work, public liability insurance helps to protect your business.
If you have others working for you, you are liable for them during work hours. This cover shields the policyholder should an individual from your staff get harmed or cause harm while at work. Keep in mind that employers are lawfully required to carry this insurance in the United Kingdom.
Do you know of somebody who has had their tools stolen? Probably, you do! Sadly, nearly half of tradespeople experience tool theft at some point, and if your tools are stolen, having the appropriate insurance may be your only form of defence.
This insurance is needed by anyone working on a construction site. It includes the contract's value, in-house and hired machinery, employee equipment, and more.
Any professional's legal insurance covers the costs of defending and asserting a legal claim. It can cover everything from debt collection to property disputes if a policyholder ever needs to file a legal claim or go to court.
If an accident prevents you from working, our insurance covers you with a lump sum payment. Additionally, it provides a daily hospital benefit and covers a variety of potential accidents or injuries. Fundamentally helping to keep the doors open to your business.
Income protection insurance protects the policyholder if they are unable to work as a result of an injury or illness. We offer a variety of indemnity levels for our insurance, which can cover up to a year's worth of sick leave. This is extremely popular for those who work for themselves.
Because it safeguards you in the event that HMRC launches an investigation into your tax status, Tax Enquiry cover is extremely beneficial. Don't worry; let us handle your circumstances. Don't get a sweat on if the tax office comes knocking.
How Much Does Property Maintenance Insurance Cost?
Property Maintenance Public Liability Insurance starts from £8.49 per month for £1 million of cover and protects your business should you cause damage to nearby property or cause injury to a member of the public.
We’ll ask for some basic details about you and your business, including the number of workers you employ and your business turnover. Once we have those details, you can begin building the cover for your business.
Why Choose Rhino?
Rhino Trade Insurance provides tradespeople with straightforward protection, free from jargon and confusing terminology. As evidenced by our super-slick quote process, we take great pride in providing service that is quick and painless.
Want to speak with a real person based in the UK? Call us at 0116 243 7904 or get a quote right now in less than 60 seconds.
Property Maintenance Insurance FAQs
Without insurance, your business is financially exposed should something go wrong. Whether that be damage caused to a property, legal action brought against your business or your tools stolen from your vehicle, to name a few. In these instances without the correct cover in place you would need to cover the costs.
Insurance is often a requirement for contracted work and accreditations. Customers often ask for proof of cover too. So without it, you’re limiting the amount of work you can pick up.
Being insured isn’t a legal requirement, as much as we’d like it to be! The only time when insurance becomes a legal requirement is if your business takes on employees – in that instance, you would be legally required to have Employers’ Liability Insurance.
There’s no difference between the two. Handyman Insurance can be referred to as Property Maintenance Insurance – under our system they’re classed as the same trade.
