Property Contractors Insurance
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What is property contractors insurance?
Property contractors insurance is a special form of contractors insurance designed for tradespeople working in this area. Rather than relying on standard business insurance or generic public liability, more and more tradespeople are taking advantage of tailored insurance products. Also known as building maintenance insurance or handyman insurance, these policies can be customised to meet the needs of specific industries and businesses.
Common coverage options include public liability, professional indemnity, tools and equipment cover, loss of business income cover, vehicle insurance, goods in transit cover, employers’ liability, workers compensation and many others. Here at 1st Choice Insurance, we understand that each business is different and go out of our way to provide comprehensive insurance solutions that leave nothing to the imagination.
Who needs property contractors insurance?
Property contractors insurance is designed for anyone who looks after someone else’s property on a commercial basis. Tasks performed by property maintenance professionals include building renovations and maintenance, gardening, handyman services, and property cleaning among others. Because each business is different, it’s important to speak with an insurance expert and get a policy drawn up to meet your needs.
For example, while some businesses may require additional levels of coverage for tools and equipment, other businesses may only use tools provided by the property owner. Public liability protection is typically included in all contractors insurance packages. After all, when you’re working at someone else’s property, it’s always possible that you’ll cause property damage while performing your professional duties.
Access to public liability coverage is even more important if there happens to be an accident or injury to a person as a result of your business activities. Along with third party protection, dedicated property maintenance contractors insurance is also needed to help protect your own business assets and income.