Whatever breaks, you get the call.
Commercial insurance for facilities and property maintenance contractors of any size: a small multi-trade team, or a firm with a depot and engineers across a region.
Facilities & property maintenance insurance
Usually includes
Public liability
Employers’ liability
Premises & contents
Business interruption
Stock & materials
Tools, plant & equipment
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The tools, the van, your liability and the work in progress, priced in one go rather than piece by piece.
Know your cover
What is facilities & property maintenance insurance?
Maintenance contractors are hard to insure by trade, because the answer to “what do you do” is “whatever needs doing”. Plumbing one hour, electrics the next, a roof leak after lunch. That breadth is the whole value of the business and the reason a single-trade policy doesn’t fit it. Cover for it comes as a commercial combined policy: property, liability and business interruption in one, with fleet alongside, sized to what you actually run.
Every trade, some of the time
The work spans trades, and cover has to span them too.
Access to client buildings
Keys, out-of-hours attendance and unsupervised access.
The days you can’t respond
If the depot is out of action you can’t dispatch, and contracts have response times.
Who it’s for
Whatever you get called for.
✓
Property maintenance contractors
Reactive and planned work across trades.
✓
Facilities management contractors
Contract FM for commercial premises.
✓
Multi-trade handyman businesses
Small works across several trades.
✓
Social housing maintenance
Responsive repairs and void works.
✓
Managing agent contractors
Working across a portfolio for agents or landlords.
✓
Firms with a depot
Stores, parts and engineers dispatched daily.
What we cover
Cover built around the way you work.
We get to know how you actually run before we build anything around it.
Public liability
Injury or damage arising from your work, across all the trades you cover.
Employers’ liability
Required by law from your first employee, across every trade you cover.
Premises & contents
The depot, unit or office you work out of, and everything in it.
Business interruption
If the depot is out of action you can’t dispatch. This covers the trading you lose.
Stock & materials
Parts, spares and materials at the depot or in the vans.
Tools, plant & equipment
Tools, test kit and powered equipment, in the van or at the depot.
Legal expenses
Contract disputes, employment matters and the cost of defending a claim.
Fleet
Vans on one fleet policy alongside the main cover.
Cyber & data
A payment diverted to someone posing as a subcontractor, and an attack on the office systems that hold your contracts and payroll.
Who this cover tends to suit.
This cover is generally bought by facilities and property maintenance contractors at any size, from a small multi-trade team to a firm with a depot and engineers across a region. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant rather than sell you cover you don’t need.
Worth knowing
Check the details before you choose.
Breadth of trades
The wider the range of work, the more important it is to declare all of it.
Keys and access
Holding keys and attending out of hours is a specific exposure.
Response-time contracts
Contractual response obligations are worth flagging.
Subcontracted trades
What you do in-house and what you pass on changes the picture.
Every call-out is different.
A dripping tap and a roof leak in a commercial unit don’t carry the same risk. We ask different questions, and we’ll quote both.
Property maintenance
Facilities management
Multi-trade maintenance
Reactive repairs
Planned maintenance
Handyman services
Social housing repairs
Void works
Property maintenance
Facilities management
Multi-trade maintenance
Reactive repairs
Planned maintenance
Handyman services
Social housing repairs
Void works
Commercial maintenance
Managing agent contracts
Small works
Out-of-hours call-out
Building fabric repairs
Grounds & cleaning
Compliance checks
Response contracts
Commercial maintenance
Managing agent contracts
Small works
Out-of-hours call-out
Building fabric repairs
Grounds & cleaning
Compliance checks
Response contracts
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
How many trades you cover changes the quote
A small multi-trade team and a regional operation with a depot differ on payroll, the trades they self-deliver and what they subcontract. We ask how many trades you cover before we approach anyone.
02
Cover that spans the trades
A single-trade policy doesn’t fit a business that does everything. We build for the actual range.
03
Certificates your contracts will accept
Agents and FM clients want proof before you start. We turn it round quickly.
04
We present the risk right
Trade mix, payroll and claims history all change what you pay.
You talk to a person. The machines do the typing.
Free review of your facilities & property maintenance cover and costs.
Cover spread across three or four policies? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
The wider the range of trades you cover, the more important it is to declare all of it rather than just the main one.
Holding keys and attending client buildings out of hours is a specific exposure worth naming.
We approach insurers on our panel who write facilities and property maintenance risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Property maintenance questions, answered straight.
What insurance does a property maintenance contractor need?
Do I need to declare every trade I do?
Does holding keys to client buildings need flagging?
What if I subcontract some trades out?
Can my vans go on the same arrangement?
How is business interruption calculated?
Are my materials and stock covered, or just tools?
What does this cover if I lease my premises?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.