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Commercial latent defects insurance explained

Latent Defects Insurance (also referred to as Structural Warranty Insurance) policies are a requirement of most Lenders for all new build residential open market sales.

This is to protect against faults and defects caused by design flaws, workmanship or sub-standard use of materials throughout the construction process, many of which might not become apparent for years after the completion of a development.





Build-Zone Commercial Latent Defects Insurance has been designed for new builds and conversions of commercial and mixed-use developments, of any size. This also includes social housing, mixed-use, commercial developments and major projects.

With the backing of an 'A' Rated insurer, you receive peace of mind from a dependable organisation that provides help when you need it most and for the full-length of your policy.


All of our Structural Warranties are underwritten by 'A' rated global insurers & each case is subject to full technical review by Build-Zone Survey Services Limited with the aim of minimising any defects right from the design stage. We don’t just sell on minimums or on price – we are professional brokers where Quality and Service matter.


Commercial Latent Defects Insurance features:

  • Cover available for loss of rent and alternative accommodation

  • Reduced cost and risk in comparison to collateral warranties

  • Waiver of subrogation rights possible

  • Flexible financial limits can be agreed subject to referral

  • Makes re-sale more attractive & is fully transferable to subsequent owners

  • Cover can be arranged on completed or part-completed properties

  • The policy covers the structure of the building for 10 or 12 years, with defective weatherproofing covered from year 2

The Latent Defects Insurance is underwritten by an ‘A’ rated global insurer & each case is subject to full technical review by Build-Zone Survey Services Limited with the aim of minimising any defects right from the design stage.


Build-Zone provides 'A' Rated backed latent defects insurance to suit the unique requirements of your development or project, including new home warranty and structural warranties for residential developments. This also includes social housing, mixed-use, commercial developments and major projects. With the backing of an 'A' Rated insurer, you receive peace of mind from a dependable organisation that provides help when you need it most and for the full-length of your policy. Technical Services Technical services are handled by our in-house team Build-Zone Survey Services Limited (BZSS). They can facilitate building control for you with one of their partnered approved inspectors. Every inspection is audited by BZSS to give you further peace of mind. Where Building Control has already been arranged elsewhere, technical audits are undertaken by one of BZSS's partnered approved inspectors to ensure the project reaches the standard required for the issue of the warranty. Both insurers and Build-Zone understand the value of this service and this is reflected in the premiums that are charged. The sooner that BZSS are involved, the greater the benefit that can be realised.

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