Insurance for Property & Facilities Services

Why Property & Facilities Need Specialist Cover

Working inside clients' homes and premises — often unsupervised, sometimes holding keys — brings risks that standard liability cover alone doesn't fully address.

• Working inside a client's home or premises — often unsupervised, sometimes holding a set of keys — brings a distinct liability risk: accidental damage to the property itself, not just injury to a person
• Holding keys to a client's home, office or alarm system is common in this sector — losing keys or a key being used in a break-in can trigger a costly claim to replace locks or upgrade security across a whole property
• Tools and equipment theft from a van overnight is one of the most common claims in property and facilities trades — check your cover reflects full replacement value, not an outdated estimate
• CCTV and alarm installers face a distinct risk if a system fails to perform as expected during a break-in or incident — this needs "efficacy" cover alongside standard public liability, since a failure of function is different from physical damage caused by your work
• Gardening, landscaping and grounds maintenance work involves powered tools and machinery — strimmers, chainsaws, mowers — where flying debris or blade contact is a leading cause of third-party injury claims
• Pest control work often involves chemicals and treatments in occupied homes — check your policy covers claims arising from the treatment itself, not just accidental physical damage

Frequently Asked Questions

Answers to common questions about public liability, keyholding and equipment cover for UK property and facilities businesses.