
Property Maintenance insurance
Property maintenance insurance that’s simple and hassle free







Compare & buy cover online
If you know the covers you require, it’s quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.
Request a call back
Unsure of your cover requirements or looking for insurance advice? We’ll call to arrange a new insurance quote at a time that’s convenient for you
Call us on: 0333 320 6009
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Insurance covers to consider
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability insurance
When you’re working at clients’ homes, offices or premises, Public liability cover 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 cover
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.

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 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.

Tool & equipment insurance
Most tradespeople 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.

Vehicle insurance
A commercial vehicle or van could be a crucial part of your business; whether it’s for deliveries, tools, or even just getting to and from your customers on a daily basis, we understand the need for a quality cover that gives you peace of mind. Take a look at the business van insurance page to find out more about van insurance for property maintenance.

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.

Property maintenance insurance FAQs
Do I need property maintenance insurance?
Property maintenance insurance can protect you against claims from everyone you come into contact with, from clients and employees to suppliers. It is a fundamental part of your business continuity, and without the property maintenance insurance in place, you may be personally liable for any accidents or injuries you cause during the course of your business.
You can protect your business today by speaking to an advisor who is on hand to provide you with the advice you need to find the property maintenance insurance quotes for you. Alternatively, if you don’t require advice, you can compare quotes online in minutes.
What covers do I need?
At Premierline, we offer property maintenance insurance that can be as simple or comprehensive as you require depending on your business. When thinking about what insurance and covers you need to protect your business and interests, you should consider the following:
- Public liability – to cover you against unforeseen events that could leave you and your business exposed to financial loss.
- Employers’ liability – to protect your employees against accidents at work and any damages awarded as a result.
- Personal accident cover – to tide you over in the event that you injured yourself at work.
- Tools & plant – to protect your tools, equipment, and plant.
- Buildings cover – to cover for loss or damage to your business premises.
- Contents and stock – to reinstate your items and belongings.
- Business interruption – to keep finances running when disaster strikes.
- Contract works – designed to cover work that’s underway on a construction site.
- Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
- Commercial vehicle cover – if you use a vehicle or a van for business.
- Professional indemnity – can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice.
How much does property maintenance insurance cost?
The price of property maintenance insurance depends on a range of factors including the size of your business, and the level of cover that you need. Get a tailored quote online or contact one of our business insurance specialists to find out how much your property maintenance insurance might cost to protect yourself and your business from unforeseen circumstances.
Why choose Premierline to arrange 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.
We have many years of experience arranging property maintenance insurance so we’ve really got to know the covers that different types of contractors require. We are here to make sure that you have the covers you need to protect you against the risks you face on a daily basis.
You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a personalised property maintenance insurance quote today.
What will I need to know to complete my insurance quotation?
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
How soon will I get my policy documents?
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
How do I pay for my policy?
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
Why choose Premierline?
We're contractor insurance experts
We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials
“Amazing service as usual. They provided me a competitive insurance premium for another year and made it simple for me to renew my insurance. Easy to contact and speak to a knowledgeable person on the phone. Ive already recommended Premierline to friends.”
Builder
Customer since December 2021
Our independent customer reviews
Speak to a property-maintenance insurance expert
You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a property maintenance insurance quote today.
Compare & buy cover online
If you know the covers you require, it’s quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.
Request a call back
Unsure of your cover requirements or looking for insurance advice? We’ll call to arrange a new insurance quote at a time that’s convenient for you
Call us on: 0333 320 6009
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm







