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Property Maintenance Insurance
Compare business property maintenance insurance
Get quality cover for your premises
Protect against claims by the public, clients or employees
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We compare a vetted panel of trusted UK business suppliers
We can cover start-ups, limited companies, and sole traders. Start your quote online instantly
Get cover to protect against the risks your business actually faces – no unnecessary add-ons
Bionic is trusted by UK businesses and won 'Highly Commended' at the 2025 Insurance Broker Awards
What is...
property maintenance insurance for tradespeople?
Property maintenance insurance is a type of business insurance suitable for handymen, tradesmen and contractors. It’s designed to help protect those who keep buildings running, from fixing broken fittings to managing refurb projects.
Whether you’re a self-employed handyman, a small team of tradespeople, or a contractor working across commercial and residential sites, this type of business insurance could help cover the risks that come with your work.
At Bionic, we can help you compare quotes from a panel of selected insurers to find the right covers to suit the needs of your business.
Why do you need property maintenance insurance?
As a property maintenance worker or contractor, you could find yourself exposed to more risks than most other professions - one day you could be working at a height repairing roof tiles, the next day digging in gardens near fibre-optic cables or drilling in the basement near water pipes. It could even be necessary for something as simple, but costly, as spilling a can of paint over your client's expensive sofa during a refurbishment.
Comprehensive property maintenance insurance can help prepare for the worst, potentially keeping your business afloat if you find yourself on the wrong end of a claim, unfortunate accident, theft or vandalism.
What property maintenance sectors need insurance?
Whether you’re self-employed or have a small team, it's likely can help. We’re able to support the following business types with property maintenance insurance:
- Handymen
- Tradesmen
- Building contractors
- Property managers
Business not listed? It’s likely we can still help. Find out today by starting a quote online, and our insurance team will be on hand to help.
What can property maintenance insurance cover?
Policies will vary per provider and limits and exclusions apply. Always refer to your policy wording for details. The types of cover you need will depend on the nature of your work, you might need the following:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services.
Cash on premises
Helps provide compensation if any of the cash you keep on your business premises lost or stolen.
Commercial building insurance
To protect business premises that you own, whether you're using them or renting them out to others.
Stock and contents insurance
In case your stock or equipment is stolen or damaged by flood or fire.
Business interruption insurance
To provide compensation if a listed event stops your business from running normally.
Personal accident cover
Financial compensation in the event of a personal injury as a result of your work.
How much does property maintenance insurance cost?
Property maintenance costs for a premised business may vary depending on several factors, including:
- What your trade is - The type of trade you operate may influence your insurance premiums.
- Extent of cover - The more additional cover you opt for, the more likely it is to be more expensive.
- Your insurer - The insurer you choose will also influence costs.
- Claims history - If you have a history of claims such as those for injuries, your premium may be higher.
The quickest and easiest way to find out your property maintenance insurance cost is to get a quote online with Bionic. We can only offer this type of cover if you have a business premesis. Get in touch with a member of our insurance team to find out how much you’re looking at paying for an annual policy.
Compare property maintenance insurance with Bionic
At Bionic, we celebrate UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to help you find the right cover.
Our UK-based team helps business owners daily to compare business insurance quotes to find the right insurer that fits. Start a quote online.
How Bionic business insurance comparison works
Compare insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and through any questions with our team.
What do I need to get started?
You only need a few details to get started with getting a free business insurance quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Property Maintenance FAQs
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