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Why do property preservationists need business insurance?
Working with vacant properties and evictions brings a high level of risk. A visitor could trip on a broken staircase at a foreclosed property, or vandalize the property. Business insurance can cover the cost of medical care, legal fees, and repairs. Some policies, like workers' comp, may be required.
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With Insureon, property preservationists can get coverage the same day they apply for quotes.
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What types of insurance do property preservationists need?
These policies cover the common risks of property preservation services.
General liability insurance
A general liability policy covers basic third-party risks, such as a client tripping on the staircase of a derelict property. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).
BEST FOR
- Injury during a property inspection
- Damaged customer property
- Libel and other advertising injuries
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for property preservationists.
BEST FOR
- Accidents that injure clients
- Client property damage
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp for property preservation businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical bills
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
This insurance covers bodily injuries and property damage caused by company vehicles, as well as vandalism or theft of a vehicle owned by your property preservation business.
BEST FOR
- Property damage caused by your vehicle
- Injuries caused to another person
- Vehicle vandalism and theft
Contractor’s tools and equipment insurance
This insurance policy helps pay for repair or replacement of a property preservation contractor’s equipment and tools. It's a type of inland marine insurance.
BEST FOR
- Equipment less than five years old
- Equipment that travels to job sites
- Small tools
Professional liability insurance
Professional liability coverage helps pay for legal costs related to a property preservationist's work performance. It's also called errors and omissions insurance (E&O insurance).
BEST FOR
- Failure to provide contracted services
- Negligence of a property
- Errors and oversights
Looking for different coverage? See more policies.
How much does property preservation insurance cost?
A small business with a few workers will pay less for insurance than a large company.
Factors that affect the pricing include:
- Services offered, such as maintenance of commercial or residential buildings
- Business property and equipment
- Business income
- Types of insurance coverage
- Policy limits and deductibles
How do I get property preservation business insurance?
It's easy to get property preservation business insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find the most affordable coverage that fits your property preservation company, whether you're a contractor, subcontractor, or employer.
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