Facilities Management Insurance FAQs

Quick answer

These facilities management insurance FAQs answer common questions about FM contractor cover, including public liability, employers liability, professional indemnity, subcontractors, cleaning, maintenance, vehicles, cyber and contract requirements.

For the main quote route, compare cleaning contractors insurance for UK cleaning businesses, including public liability, employers liability, tools, key holding, property damage and contract requirements, or start a cleaning contractors insurance quote.

Insurers may ask about

Cleaning activities, premises cleaned, staff numbers, subcontractors, chemicals, working at height, equipment values, key holding, claims history and contract limits.

Common claims

Typical cleaning contractor claims can involve wet floor slips, water damage, chemical damage, damaged customer property, stolen equipment or employee injuries.

Client documents may include

Commercial clients may request public liability certificates, employers liability certificates, RAMS, COSHH assessments, subcontractor evidence and health and safety documents.

Core FM Insurance Questions

Facilities management companies often ask which covers are needed because FM work can combine cleaning, maintenance, janitorial services, waste, grounds, helpdesk support, subcontractor coordination and minor works. The answer depends on the contract and services delivered. Public liability and employers liability are often central, while professional indemnity may be relevant where the FM provider gives advice, prepares specifications, manages compliance, audits service standards or signs off work for the client.

• Public liability and employers liability
• Professional indemnity for advice or management work
• Cleaning, maintenance and property support activities
• Contract limits and service obligations

Subcontractor And Contract FAQs

FM contracts often rely on subcontractors, and clients may ask how insurance applies to them. Bona fide subcontractors generally need their own insurance, while labour-only workers may be treated differently depending on control and supervision. Contracts may specify minimum liability limits, professional indemnity, additional insured wording, waiver wording, notification duties and certificate deadlines. FM companies should keep subcontractor certificates, RAMS, COSHH and training evidence ready for audits and renewals.

• Bona fide subcontractor evidence
• Labour-only worker considerations
• Minimum limits and certificate duties
• RAMS, COSHH and training records

Operational Covers And Extensions

FM insurance questions often extend beyond liability. Tools, equipment, commercial vehicles, cyber, keyholding, fidelity, legal expenses, management liability, pollution and contract works can all become relevant depending on the services delivered. Cleaning teams may hold keys and alarm codes. Maintenance teams may use tools and vehicles. Helpdesk or compliance teams may hold client data. The insurance programme should be built around the actual operating model rather than a generic FM label.

• Tools, vehicles and mobile teams
• Keyholding, fidelity and cyber exposure
• Pollution or contract works where relevant
• Management liability and legal expenses options

Preparing FM Insurance Answers

To answer FM insurance questions properly, prepare a turnover split by service, staff numbers, subcontractor details, vehicles, tools, client sectors, contract limits, claims history and any advisory responsibilities. Insure24 can help UK facilities management companies compare suitable cover options and consider how common FAQ answers apply to the specific contracts being delivered. Larger FM contracts should also be checked for audit rights, indemnity wording, certificate deadlines and subcontractor evidence rules.

• Prepare turnover split by service line
• List staff, subcontractors, vehicles and tools
• Review advisory and compliance responsibilities
• Compare suitable FM cover with Insure24