Quotes are available for property preservation and field inspection work
Yes — general liability quotes are available for property preservationists and mortgage field inspectors working on vacant, foreclosed, REO, and bank-owned properties. Whether you winterize, mow, do handyman repairs, clean out debris, secure a property, or perform occupancy and condition inspections, general liability is typically the first coverage to line up.
What it's designed to respond to
General liability responds to claims of third-party bodily injury or property damage arising out of your work — not injuries to you or damage to your own equipment. For property preservation and field inspection work, that commonly looks like:
- A trip-and-fall while mowing or trimming.A neighbor, passerby, or the property owner's representative is hurt on the property while you're doing yard work.
- A window broken while boarding up. Securing a vacant property sometimes damages the property itself or an adjacent one.
- A neighbor's property damaged during a trash-out. Debris removal and hauling can create exposure beyond the property line.
- A slip on ice during a winterization visit. Anyone present at the property while you work could be hurt.
- Equipment left on-site that injures someone.A ladder, tool, or material left behind poses risk even after you've gone.
Why companies and servicers ask for it
Property preservation companies, asset management companies, and mortgage servicers commonly require vendors and subcontractors to carry general liability — and to provide a certificate of insurance before work begins. It's the baseline coverage that lets you take on work orders from most national and regional preservation companies.
What it doesn't cover
General liability is not built for claims that your work itself— a report, an inspection, or a job — fell short. That's the role of professional liability (E&O). And it doesn't respond to data or electronic-record exposures, which cyber liability is built for.
Who this fits
General liability tends to fit property preservationists and mortgage field inspectors of any size — from a single owner-operator to a crew with employees and 1099 subcontractors. Tell us about your business, the tasks you perform, and your subcontractor use on the quote form, and we'll help you figure out what fits.