Property Maintenance Insurance
Does cleaning insurance cover employee theft or property damage?
What Is Property Maintenance Insurance and Who Needs It?
Facility service providers keep homes, businesses, and communities running, often behind the scenes. Whether you operate a cleaning business, pest control service, junk removal team, laundromat, or landscaping company, your work comes with unique risks. Gild connects facility-focused small businesses with trusted insurance partners offering tailored coverage for janitorial services, carpet and window cleaning, dry cleaning, pressure washing, lawn care, and more. With affordable, flexible policies, property maintenance insurance helps protect your team, equipment, and operations so you can focus on delivering essential services every day.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Why Get Property Maintenance Insurance?
If you own a business, the right property maintenance insurance helps protect your cash flow, meet legal and contract requirements, and keep your doors open when the unexpected happens.
Here are some key reasons to consider property maintenance insurance:
- Shield your cash flow from claims: Business insurance helps you avoid paying out of pocket for customer injuries, property damage, or lawsuits that could strain your finances.
- Stay compliant and contract-ready: Many states require workers compensation insurance, and clients or landlords often require proof of general liability insurance coverage.
- Protect your place and tools: Business personal property insurance can cover your business’ property, equipment, and inventory against covered losses like fire, theft, or vandalism.
- Protect Against Injuries, Damage, and Errors: General liability insurance helps cover third-party bodily injury and property damage.
- Take care of your team and HR risks: Workers compensation insurance provides protections related to on-the-job injuries, and employment practices liability insurance helps address claims of discrimination, harassment, or wrongful termination.
- Keep revenue flowing after a crisis: Business interruption insurance can replace lost income and help you reopen after a covered event.
Why Does My Business Need Property Maintenance Insurance?
Certain property maintenance insurance coverages are required by state or federal law to protect employees and the public from business related risks.
The following business insurance types may be mandatory for your business:
- Workers Compensation Insurance: Required if you have employees. This covers medical bills and lost wages for work-related injuries.
- Commercial Auto Insurance: Required if your business owns or operates vehicles. This covers injuries and property damage related to your business’ vehicles.
- General Liability Insurance: Often required to obtain or renew certain licenses in trade, service, and professional industries.
The best way to find the right property maintenance insurance is with a free, online quote!
What Is The Right Insurance For My Business?
Learn more about your business’ risks, select tailored insurance solutions, and explore the types of businesses Gild can insure:
- Professional Services
- Building and Construction
- Retail and Shops
- E-commerce and Online Retail
- Marketing, Media, and Communications
- Manufacturing
- Pet Services
- Healthcare and Wellness Practices
- Beauty And Salon
- Food and Beverage
Get A Quote For Business Insurance Today!
With Gild Insurance, you’re not just getting a policy, you’re getting a partner who understands the unique challenges of running a small business. Together, we learn about your operations, tailor coverage to your specific risks, and help keep your business growing.
Frequently Asked Questions
Yes! When you have the right policies in place:
- Employee theft – Employee dishonesty coverage can help cover losses if a team member is accused of stealing from a client.
- Property damage – General liability insurance can step in if your business accidentally breaks, stains, or otherwise damages a client’s property while on the job.
What types of insurance does a lawn care business need?
Lawn care professionals face risks tied to outdoor work, heavy equipment, and client property. The most common coverages include:
- General Liability – Protects against property damage or injury claims, such as breaking a window with a mower or a client tripping on equipment.
- Workers’ Compensation – Required in most states if you employ staff; covers injuries from heat stress, cuts, or lifting accidents.
- Commercial Auto Insurance – Essential if you use trucks or trailers to move crews and mowers between job sites.
- Equipment Coverage – Protects valuable tools like mowers, trimmers, and blowers against theft or damage.
- Business Owner’s Policy (BOP) – Combines liability and property insurance, often including income protection if operations are interrupted.
How much does landscaping business insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Let's Get The Best Insurance For Your Business!
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