Facilities Management Insurance

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Facilities Management Insurance is designed for companies delivering integrated property and support services across commercial, industrial, retail and public sector premises.

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Facilities management insurance for multi-service contractors

Cleaning, maintenance, security, waste and property-support activities can create complex insurance requirements under one contract.

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Specialist FM Insurance

Facilities management businesses often combine multiple services under one contract, creating complex insurance requirements that may involve cleaning, maintenance, security, waste management and property support activities. Insure24 helps facilities management companies arrange specialist insurance solutions tailored to their operational risks.

What Does Facilities Management Insurance Cover?

Public Liability Insurance

Protection against third-party injury or property damage claims arising from work at client premises.

Employers Liability Insurance

Important for businesses employing mobile staff, engineers, cleaners, supervisors or site-based teams.

Professional Indemnity Insurance

Professional indemnity may help protect against claims involving contractual errors, management failures, service delivery issues and incorrect advice.

Contract Works Insurance

Useful where facilities management businesses undertake repair, maintenance or project works.

Tools & Equipment Insurance

Protection for portable tools and operational equipment used by cleaning, maintenance and site teams.

Facilities management insurance

Typical Activities

  • Commercial cleaning
  • Building maintenance
  • Security services
  • Grounds maintenance
  • Waste management
  • Property inspections
  • Planned preventative maintenance
  • Janitorial services

Why FM Companies Need Specialist Insurance

Facilities management companies often operate across multiple sites and industries, creating increased exposure to contractor liability claims, employee injuries, property damage, contractual disputes and high-value commercial environments. Many clients also require minimum insurance limits before awarding contracts.

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FACILITIES MANAGEMENT INSURANCE FAQS

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What insurance do facilities management companies need?

Facilities management companies commonly require Public Liability, Employers Liability and Professional Indemnity Insurance.

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Can FM businesses insure subcontractors?

Some policies can extend to cover labour-only subcontractors, subject to underwriting.

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Is insurance required for commercial FM contracts?

Most commercial contracts require evidence of insurance before work begins.

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