Building warranty insurance

Clear Insurance Management arranges building warranty insurance, also known as latent defects insurance, for builders, homeowners or interested parties.

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What is building warranty/latent defects insurance?

Building warranty/latent defects insurance provides cover for the cost of remedying and rectifying damage arising from an inherent defect in design, workmanship or materials becoming apparent after practical completion.

The cover provided is for the costs incurred up to the total amount insured (typically the full re-instatement value of the building).


Cover is generally available for between five and twelve years from the date of practical completion.


Cover can also be extended to include:

  • Loss of rent
  • Loss of gross profit or revenue
  • Increased cost of working
  • Alternative accommodation
  • Mechanical and electrical services
  • Component failure

Key benefits of arranging latent defects insurance with Clear?

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Council of Mortgage Lenders approved (all major UK Lenders)

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Cover can apply for 10 or 12 years, and include component failure

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Cover available for conversions / renovations / mixed use developments

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Completed developments can be insured within 12 months of completion

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Existing structures can be included

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Full technical audit carried out

Finding peace of mind

At Clear we are acutely aware that latent defects insurance policies should be clear and comprehensive.

Over the past 30 years we have gained a reputation in the construction sector for understanding the challenges that our clients face, and then working closely with them to deliver insurance solutions tailored to their demands.

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Why Clear?

Industry-recognised for being people-first, our team of specialists supports start-ups, SMEs, corporates, multinationals and individuals.

Trade specialists

Trade specialists

We offer broad and bespoke sector specialist insurance solutions for peace of mind.

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In recognition of our commitment to maintaining the highest standards of knowledge, ethical practice and guidance.

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Exceptional service

We're dedicated to providing exceptional customer service to respond proactively to the needs of our clients.