Premier Guarantee

What Premier Guarantee does

Premier Guarantee is one of the UK's leading providers of structural warranties and building control services, operating as a trading name of MD Insurance Services Limited — a private limited company authorised and regulated by the Financial Conduct Authority and wholly owned by HSB Engineering Insurance Limited, itself part of Munich Re. Established in 1996, the company underwrites structural warranty policies on behalf of a panel of A-rated insurers (HSB Engineering Insurance, AXA Insurance UK Plc, AmTrust Specialty Limited, and Liberty Syndicate Management Limited) for new-build homes, social housing, commercial properties, private rental, completed housing, self-build, and Channel Islands developments.

The core technical stack comprises an in-house surveyor network of qualified Chartered surveyors (CABE/CIOB members) and Registered Building Inspectors who conduct site inspections and building control approvals, supported by a proprietary Technical Manual (currently Version 17, applicable to sites registered from 1 January 2026) that defines technical standards for warrantied buildings. Customers access documentation, site reports, inspection dates, and quote applications through the proprietary Extranet customer portal, and claims are processed by a specialist team with a stated five-working-day review window. Building control inspection authority is delivered through subsidiary MD Warranty Support Services Limited, a Registered Building Control Approver under Parts II and 2A of the Building Act 1984 (registration no: RBCP01827C5W).

Revenue is generated through two principal streams: (1) annual tiered registration fees from builders and developers ranging from £790 (Small, 0–4 homes) to £3,470 (X Large, 51+ homes) per annum on top of a £1,290 initial registration fee, and (2) risk-rated warranty premiums calculated on reconstruction costs, estimated sales value, builder experience, and claims history. Go-to-market combines a field sales force of 8 regional Business Development Managers plus a National Sales Manager covering Scotland, North England, Midlands, South West, London, and South East England, with a self-serve digital quote application channel at info.premierguarantee.com. Distribution is augmented by insurance brokers and channel partnerships with the majority of UK mortgage lenders, whose acceptance of Premier Guarantee warranties is a key demand driver for builder customers.

Name

Premier Guarantee

Legal name

MD Insurance Services Limited

Website

https://premierguarantee.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

251–500 employees

Short description

Premier Guarantee, a UK structural warranty and building control provider operating under MD Insurance Services Limited (an HSB/Munich Re subsidiary), underwrites A-rated structural warranties for new-build residential, social housing, and commercial developments through an in-house surveyor network and proprietary Technical Manual, serving housebuilders, high-rise developers, and housing associations across the UK.

Ownership category

akta.pro rank

Product category

Structural Warranty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524)

SIC

Surety Insurance (6351)

akta.pro primary industry

Mortgage Credit Enhancement Wraps & Financial Guarantees (Bond/Wrap Insurance) (FSALAJAG)

akta.pro secondary industries

Facultative Specialty Lines Reinsurance (Marine, Aviation, Energy, Cyber, Surety, Political Risk) (FSAOAFAD), Guarantee, Insurance & Risk Mitigation Facilities (BPADACAK)

Keywords

• Structural warranty insurance
• Building control services
• New home warranties
• Construction quality assurance
• Building inspections

Headquarters

HQ city

Birkenhead

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Structural Warranty Premiums: Revenue generated from warranty insurance premiums charged to builders and developers. Premium ratings are determined by past experience, claims history, and other factors. Premiums are calculated based on reconstruction costs and estimated sales value of properties.
2. Registration Fees: Initial 12-month registration fee of £1,290 for builders and developers. Tiered renewal fees based on number of units registered: Small (0-4 homes) £790, Medium (5-10) £1,320, Large (11-50) £2,020, X Large (51+) £3,470.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Premier Guarantee provides structural warranties for new-build residential and commercial properties in the UK, backed by A-rated insurers including HSB (part of Munich Re), AXA, AmTrust, and Liberty Mutual. Its offering spans new home, social housing, commercial, private rental, completed housing, self-build, and Channel Islands warranties, complemented by registered Building Control inspection services, plan assessments, and Road and Sewer Bonds for housing developers.

Product overview

Premier Guarantee is a structural warranty and building control provider offering insurance products underwritten by a panel of A-rated insurers (AmTrust, HSB Engineering Insurance, AXA, and Liberty). The core offering consists of structural warranties covering new homes, social housing, commercial buildings, private rental, completed housing, self-build, and Channel Islands properties. Premier Guarantee provides survey and inspection services through an in-house surveyor network, manages customer access via the Extranet portal, and publishes Technical Manuals establishing technical standards for covered buildings. The company is part of HSB Engineering Insurance, which is wholly owned by Munich Re.

Differentiator

Problem solved

Functional benefit

Products and services

• New Homes Warranty Structural warranty cover for newly built residential properties, underwritten by A-rated insurers and accepted by the majority of UK mortgage lenders; targeted at housebuilders and developers of new-build homes.
• Social Housing Warranty Structural warranty product designed for housing associations and providers of social housing developments, covering newly built social housing stock.
• Commercial Building Warranty Structural warranty cover for new commercial construction projects; aimed at commercial developers and contractors.
• Private Rental Warranty Structural warranty cover for new-build properties intended for the private rental sector; targeted at build-to-rent developers and investors.
• Completed Housing Warranty Structural warranty for housing developments that have already been completed, providing retrospective cover for developers and investors.
• Self Build Warranty Structural warranty product for individual self-builders constructing their own homes.
• Channel Islands Residential Warranty Structural warranty cover for new-build residential properties in the Channel Islands.
• Channel Islands Commercial Warranty Structural warranty cover for commercial construction projects in the Channel Islands.
• Building Control Services Registered building control inspection, plan assessment, and approval services delivered by qualified surveyors; provided to builders, developers, and housing associations.
• Road and Sewer Bonds Bonds covering road and sewer infrastructure associated with new housing developments, provided to housing developers.

Quantifiable outcome

• Policies underwritten by 'A'-rated insurers providing added security and peace of mind for mortgage lenders and homeowners

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• AXA Insurance UK PlccoreTechnology or IntegrationOne of the world's largest insurers operating in 59 countries with over 161,000 employees and 103 million customers. Rated 'A' by AM Best and 'A+' by Standard & Poor's. Part of Premier Guy's panel of insurers providing flexible, secure solutions.
• AmTrust Specialty LimitedcoreTechnology or IntegrationOne of Premier Guy's panel insurers providing structural warranty coverage for new homes, social housing, commercial, private rental, completed housing, and self-build projects.
• Liberty Syndicate Management LimitedcoreTechnology or IntegrationPart of Premier Guy's panel insurers providing structural warranty coverage for new homes, social housing, completed housing, and self-build projects.
• Home Builders Federation (HBF)coreStrategic or Co-development PartnerPremier Guarantee holds HBF membership, supporting the home building industry and its consumer code requirements.
• CABE (Chartered Association of Building Engineers)coreStrategic or Co-development PartnerThe vast majority of Premier Guarantee surveyors are either Chartered Members or Fellows of CABE or the CIOB. Premier Guarantee is a CABE Premium Partner.
• UK FinancecoreStrategic or Co-development PartnerPremier Guarantee holds associate membership with UK Finance, the trade association for the UK banking and financial services sector.
• Consumer Code for Home Builders (CCHB)coreStrategic or Co-development PartnerPremier Guarantee was a founder member of CCHB in 2010. The code applies to over 95% of new-build homes in the UK and is independently accredited by the government-approved Consumer Codes Approval Scheme administered by the Chartered Trading Standards Institute.
• New Homes Quality Board (NHQB)minorStrategic or Co-development PartnerPremier Guarantee supports developers who choose the New Homes Quality Code, an alternative voluntary code operated independently of Premier Guarantee and other warranty providers.
• Institute of Customer Service (ICS)minorStrategic or Co-development PartnerPremier Guarantee holds membership with ICS, demonstrating commitment to customer service excellence.
• UK Mortgage LenderscoreChannel Partner/ Reseller/ DistributorPremier Guarantee is accepted for warranty purposes by the majority of the UK's top mortgage providers and lenders. Approved Lenders list available via Lenders Handbook UK Finance.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• NHBC (National House-Building Council): The dominant UK provider of structural warranties and building control for new-build homes. Directly competes with Premier Guarantee for housebuilder registrations and mortgage-lender acceptance, operating the same warranty-plus-inspection model across the same UK market.
• LABC Warranty: UK structural warranty provider linked to Local Authority Building Control. Offers new-home warranties, building control, and site inspections on the same commercial terms and to the same housebuilder segment as Premier Guarantee.
• Build-Zone (by BBS): UK provider of structural warranties (Build-Zone, Complete, Foundation) for new-build, commercial, social housing, and self-build projects. Overlaps Premier Guarantee across most product lines and customer segments in the UK.
• Protek Group: UK structural warranty and building control provider (Protek, BLP, BPI) serving housebuilders, housing associations, and self-build customers. Competes head-to-head with Premier Guarantee across residential and self-build warranty products.
• BLP Insurance (Benefact Group): UK provider of structural warranties, latent-defect insurance, and building control support for residential and commercial developments. Sells through similar broker and direct-to-builder channels as Premier Guarantee.

Emerging players

• Self-Build Zone: UK specialist structural warranty provider focused on self-build, custom build, and renovation projects. A niche but direct overlap with Premier Guy's self-build warranty product and customer segment.
• Q Assure Build (ICW Group): UK structural warranty provider (ABC+ / ICW-backed) covering new homes, social housing, commercial, and self-build. Competes with Premier Guarantee in the mid-market and self-build warranty segments.

Others

• MD Warranty Inspection Services: Wholly-owned subsidiary of MD Insurance Services Limited conducting warranty inspections and technical guidance. Not an external peer, but illustrates the vertically integrated inspection model Premier Guarantee uses and that competitors replicate.

Broad incumbents

• First Title Insurance plc: UK title insurance and related property due-diligence provider. A broader financial-guarantee incumbent touching the same UK property transaction and mortgage ecosystem that drives demand for Premier Guy's structural warranties.
• Munich Re (HSB Group): Parent group of Premier Guarantee and a global reinsurance/primary insurance leader. Comparable as the strategic and capital parent; sets the underwriting capacity, standards, and risk appetite that Premier Guarantee operates within.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/PG_Live

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Premier Guarantee