Property Maintenance Insurance

Flexible business insurance from £9.31 a month*.

Simple claims process
No hidden fees
Pay monthly at no extra cost

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What is Public Liability Insurance?

What Is Property Maintenance Insurance?

If you prepare or serve food from a static location, we’ve got you covered.

Property Maintenance Insurance protects those who keep buildings running, from fixing broken fittings to managing refurb projects. Whether you’re a self-employed handyman, a small team of trades, or a contractor working across commercial and residential sites, this insurance covers the risks that come with your work.

With the right cover, you’re protected if something goes wrong on-site or if your tools are stolen out of your van. It’s peace of mind that lets you focus on the job in front of you and not what could go wrong.

Public Liability Insurance

Protects against claims from third parties for injury or property damage

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Employers' Liability Insurance

If you employ staff, then you’re legally required to have this cover.

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Tools & Materials Insurance

Cover the cost of replacing or repairing tools if they’re lost, stolen, or damaged.

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Public Liability Insurance

Protects against claims from third parties for injury or property damage

Get a quote

Employers' Liability Insurance

If you employ staff, then you’re legally required to have this cover.

Get a quote

Tools & Materials Insurance

Cover the cost of replacing or repairing tools if they’re lost, stolen, or damaged.

Get a quote

View all our insurance

Want to check the details?

Call our friendly South Wales team to discuss what you need

Call 020 3808 7099

Why Do Property Maintenance Professionals Need Insurance?

When you're responsible for the upkeep of other people’s homes or buildings, there's always a chance that something unexpected might happen to you, your team, your tools, or a member of the public.

Here’s why insurance matters for maintenance professionals:

Accidents happen - if someone trips over your equipment or you accidentally damage a client's property, Public Liability Insurance can cover the legal and compensation costs.

Your tools are your business - Tools & Materials Insurance means you're not left out of pocket if your gear is stolen or damaged in a fire or road accident.

You work with subcontractors or staff - Employers’ Liability cover is legally required if you have employees, even if they’re part-time or labour-only subbies.

Bigger jobs, bigger risks - For larger renovation or repair projects, Contract Works Cover can help if work is damaged before completion due to things like fire, flood or theft.

Insurance isn’t just about protecting your business; it gives customers confidence that they’re hiring a true professional.

How Much Does Property Maintenance Insurance Cost?

The cost of your insurance depends on what you do, how you do it, and how much you want to cover. Public liability insurance for Property Maintenance professionals starts from £9.31 per month*.

Some things that affect your premium include:

The size of your business and number of employees

Types of work you carry out (residential vs commercial, internal repairs vs full refurbishments)

Your level of cover e.g., £1 million, £2 million or £5 million Public Liability

Whether you need additional cover like Tools and Materials, Plant Hire or Professional Indemnity Insurance

The good news? With Admiral Business, you can build a policy around your actual needs so you’re not paying for cover you don’t use.

Get a quote in minutes and get back to work with the right cover in place.

Is Property Maintenance Insurance a Legal Requirement for Builders?

Some parts are, some aren’t, but skipping cover could leave you exposed.

Employers’ Liability Insurance is a legal requirement if you employ anyone, even temporary or unpaid workers. You could be fined without it.

Public Liability Insurance isn’t legally required, but it’s strongly recommended. Most property owners and letting agents won’t even let you through the door without it.

Professional Indemnity Insurance may be needed if you provide advice, reports or design work, especially in commercial maintenance contracts.

If you're working solo and only handling small jobs, you might not legally need all of these - but one accident could cost you thousands. A tailored insurance package protects you, your clients, and your business reputation.

A confident tradesperson stands in front of an open van fully stocked with tools, smiling with arms crossed, ready for the day’s work.

Insurance built around the needs of the UK’s small businesses

Flexible cover

Adjust your cover at anytime, without admin fees. As your business grows or changes, you can easily update your cover to match your needs.

No hidden fees

Pay how it suits you, monthly or annually. Plus no cancellation fees.

Simple claims process

Submit a claim online or give us a call. We'll handle the hard part, so you can get back to work, knowing your business is in safe hands.

Top-rated customer support

No long phone queues. No confusing jargon. Our South Wales-based team is dedicated to supporting you and is ready to answer any questions.

Property Maintenance professionals insurance FAQs

1. How much Public Liability cover do I need?

That depends on the type of work you do, who you work with, and the level of risk involved.

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If you are working in people’s homes, commercial premises or on-site with other trades, Public Liability Insurance is essential. It protects your business if someone is injured or their property is damaged because of your work. For example, if a customer trips over a cable at an event you are catering for.

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Most small businesses choose cover between £1 million and £5 million, but some contracts, particularly with local authorities, property managers or larger contractors, may require you to have up to £10 million.

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With Admiral Business, you can choose a level of cover that suits your locksmith business today and adjust it as your work grows.

2. Am I covered if my tools are stolen from my van overnight?

If you have added Tools and Materials cover to your policy, your tools are protected, but there are a few conditions to be aware of.

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We cover theft from your van as long as it was securely locked and there are visible signs of forced entry. If your tools are stored in a permanently fixed lockable toolbox inside the vehicle, that’s even better.

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However, if the van is left unattended anywhere other than your home for more than 24 hours, or it is not stored in a secure locked garage or compound, your cover may not apply.

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In short, we will cover you if your van is properly secured, but your tools need to be locked up tight.

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Want to check the detail? You can see the full policy terms or speak to our team at 020 3808 7099.

3. What’s the difference between Public Liability and Employers’ Liability?

Public Liability Insurance protects you against claims from third parties, such as customers or members of the public, if your work causes injury or property damage.
Employers’ Liability Insurance covers you if someone working for your Property Maintenance business is injured or becomes ill as a result of their work. Even if you only have one apprentice or casual worker, this cover is a legal requirement

For example:

Public Liability would cover a claim if you damaged furniture when replacing a light fixing in a customer house.
Employers Liability would cover a claim if your apprentice injured themselves while helping on a job.

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If you employ anyone, whether full-time, part-time or casually, you will need both types of cover.

4. How do I make a claim if something goes wrong on a job?

If something goes wrong, such as damaging a client’s property while cooking, an accident on site, or if your tools are stolen, you can start a claim by filling out the form at admiralbusiness.com/make-a-claim or emailing us at claims@admiralbusiness.com.

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We will ask for supporting documents where possible, such as photos, receipts, or a police report if it involves theft. Ideally, let us know within 14 days of the incident so we can resolve your claim quickly.

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Our team will guide you through the process step by step so you can get back to helping customers without unnecessary delays.

5. What info do I need when making a claim?

We will make the process simple, but it helps to have the following details ready:

The date, time and details of what happened
Where it took place
Any third-party details if someone else was involved
Any photos or videos showing the damage or loss
Proof of purchase for stolen or damaged tools (receipts or invoices)

If you are claiming for stolen or damaged tools, we will usually ask for proof of purchase. We will pay the original purchase price if your tools cannot be repaired, so it is important your cover limit matches the value of your kit.

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The more information you provide upfront, the quicker we can get your claim resolved.

*£9.31 is the price for a Public Liability policy for a single Property Maintenance Professional with £1,000,000 worth of cover. It is the equivalent of £101.70 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 11th August 2025.