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INSURANCE FOR MAINTENANCE & REPAIR RESPONSIBILITIES
PROPERTY DAMAGE LIABILITY
CONTRACTOR & SUBCONTRACTOR COVER
STRUCTURAL & FABRIC RESPONSIBILITIES
RISK MANAGEMENT SUPPORT
Understanding Insurance for Maintenance & Repair Obligations
Landlords and facilities managers must comply with maintenance and repair obligations outlined in leases, service agreements, and regulatory standards. Insurance can protect against liabilities, defects, contractor errors, and accidental damage caused during maintenance operations.
What This Insurance Covers
- Damage caused during maintenance or repair work
- Liability for defective workmanship or missed maintenance
- Electrical, plumbing, lift, HVAC and structural risks
- Contractor and subcontractor liability exposure
- Fire or water damage linked to repair operations
- Public & Employers’ Liability requirements
FREQUENTLY ASKED QUESTIONS
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Who is responsible for maintenance obligations?
Responsibilities depend on lease terms, but landlords and FM companies typically cover structural, electrical, fire safety, and building systems.
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Does insurance cover damage caused by contractors?
Yes. Many policies cover contractor-caused damage, provided the contractor meets insurance compliance requirements.
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Is Public Liability required for maintenance operations?
Yes. Public Liability covers injury or damage caused during maintenance or repair activities within the building.