Installsure

What Installsure does

Installsure is a UK-registered insurance broker and administrator specialising in Insurance Backed Guarantees (IBGs) for the home improvement installation industry. Founded in 2005 by the Glass and Glazing Federation (originally as GGFi, rebranded to Installsure in 2019), the company operates as a wholly owned subsidiary of the GGF Group Ltd and is authorised and regulated by the Financial Conduct Authority (FCA No. 651365). Installsure underwrites the gap between an installer's own guarantee and the homeowner's risk of that installer ceasing to trade — primarily in double glazing, doors, conservatories, and roofing — and also arranges Performance Bonds for construction contracts and broader business insurance via a referral partnership with Everywhen.

The core technology is a relatively conventional web-based insurance broker stack: a public-facing website with an online application portal for new installer members, a member login portal for policy management, and document downloads in Word format for bespoke commercial IBG applications. No public API, SDK, or developer platform is offered. Underwriting is supported by credit-reference checks through Creditsafe and TransUnion for fraud prevention and regulatory compliance. Distribution is anchored in the GGF Group network — particularly FENSA, the dominant Competent Person Scheme for window and door installers in England and Wales — and in the NFRC partnership for roofing, both of which mandate IBG coverage and refer members to Installsure as an approved provider.

Revenue is generated through three primary streams: per-policy IBG premiums priced on a tiered grid (£11.97 to £92.88 per installation depending on contract value, trade type, and membership status), referral commissions from Everywhen on ancillary business insurance products (PL, EL, PI, cyber, D&O, fleet), and a £18.22 per month dormant account maintenance fee. Performance Bonds and bespoke commercial IBGs serve as higher-value, lower-volume extensions. The customer base is a long tail of SMB installation companies, with a small number of large enterprise accounts (notably Safestyle and Everest 2020, both of which entered administration in 2023–2024). The company employs 1–10 staff and operates from a single London headquarters at 40 Rushworth Street, SE1.

Name

Installsure

Legal name

GGFi Ltd

Website

https://installsure.co.uk

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Installsure is a UK FCA-regulated insurance broker providing Insurance Backed Guarantees, Performance Bonds, and ancillary business insurance to home improvement installers, primarily via GGF Group and FENSA/NFRC trade-scheme referrals.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Backed Guarantee (IBG) Premiums: One-time premium payments for IBG policies that cover installer guarantees against insolvency. Pricing varies based on contract value, trade type, and membership status (GGF vs non-GGF). Premiums are paid per policy issued, not annually.
2. Business Insurance Services via Everywhen: Referral fees and commissions from Everywhen, an insurance partner providing PL/EL, PI, cyber liability, and other business insurance products to Installsure members.
3. Account Maintenance Fee: Monthly account maintenance fee of £18.22 plus VAT for months where no work is registered with the guarantee insurance scheme.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

Installsure is a UK-authorised insurance broker and administrator that underwrites and administers Insurance Backed Guarantees (IBGs) for installation companies across the double glazing, conservatory, roofing and broader home-improvement sectors. Its products include per-installation IBGs sold through a self-service online application, bespoke IBGs for larger commercial projects, Performance Bonds (typically 10% of contract value), and packaged business insurance (PL, EL, PI, cyber, fleet, etc.) delivered in partnership with Everywhen. Customers are primarily UK installation firms needing Competent Person Scheme cover; homeowners become policyholders and can claim against the IBG if the installer ceases trading.

Product overview

Installsure is an insurance broker providing a portfolio of guarantee insurance and business insurance products primarily for the double glazing, construction, and home improvement industries. The core product is Insurance Backed Guarantees (IBGs), which protect homeowners when installation companies cease trading. Supporting products include Commercial/Bespoke IBGs for large-scale projects, Performance Bonds for construction contracts, and Insurance Services via partner Everywhen covering liability, property, and specialty covers. The company serves installation companies (windows, doors, conservatories, roofing) and homeowners, operating under FCA regulation as a trading name of GGFi Ltd.

Differentiator

Problem solved

Functional benefit

Products and services

• Insurance Backed Guarantees (IBGs) One-time premium insurance policies that back an installer's guarantee against the risk that the installation company becomes insolvent, enabling homeowners to claim for remedial works if their installer ceases trading. Sold per installation via a self-service online application.
• Commercial / Bespoke IBGs Bespoke, one-off Insurance Backed Guarantee policies tailored for larger commercial installation projects (offices, warehouses, schools, retail units, hotels), with potential policy periods of up to 10 years and quick turnaround for tendering.
• Performance Bonds Financial guarantees (including performance, advance payment, and retention bonds) issued to principal contractors to protect against a contractor defaulting on contractual obligations; typically 10% of contract value with rates around 12% for a 12-month period for a secure company, and higher for longer periods.
• Business Insurance Services (via Everywhen) Business insurance line delivered through partner broker Everywhen covering public and employers' liability, professional indemnity, cyber liability, contractors all risks, directors and officers, office packages, tools and plant, fleet, and specialist drone liability cover; includes a 10% online discount for members with under 10 employees via Markel.

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• EverywhencoreChannel Partner/ Reseller/ DistributorEverywhen is the trusted insurance partner for Installsure clients, providing business insurance services including public liability, employers liability, professional indemnity, cyber liability, directors and officers, fleet insurance, and more. Everywhen offers a 10% online discount for members with under 10 employees and provides additional compliance tools through Business Shield.
• NFRC (National Federation of Roofing Contractors)coreStrategic or Co-development PartnerNFRC Competent Person Scheme partnership providing preferential IBG pricing for roofing contractors. NFRC is the only roofing-specific competent person scheme allowing contractors to self-certify roof refurbishment work.
• FENSAcoreStrategic or Co-development PartnerFENSA is the primary Competent Person Scheme for window and door installers in England and Wales. All FENSA members must be registered with an approved IBG provider such as Installsure. FENSA is part of the GGF Group.
• GGF (Glass and Glazing Federation)coreStrategic or Co-development PartnerGGF is the main representative organisation for companies involved in all aspects of flat glass manufacture and glazing. GGF launched GGFi (now Installsure) in 2005 and Installsure is a wholly owned subsidiary of GGF Group Ltd.
• GGF Group (BFRC, RISA, FENSA)coreStrategic or Co-development PartnerThe GGF Commercial Group consists of five companies: BFRC, FENSA, Installsure, and RISA. These organisations are specialists within the glazing industry combining to provide sector-leading services and advice.
• Interpath AdvisoryminorOthersInterpath Advisory served as administrators for Safestyle UK. Installsure coordinated with them to help Safestyle customers understand their IBG coverage following the administration announcement in October 2023.

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Constructaquote: UK online insurance broker focused on construction trades and installers. Overlaps directly with Installsure's target customer base of small and mid-sized building trades companies seeking liability and trade-specific cover.
• QAN Insurance Solutions: UK provider of Insurance Backed Guarantees and deposit protection for home improvement installers. Direct competitor in the core IBG niche serving window, door, conservatory, and roofing installers across the UK.
• Simply Business: UK insurance broker specializing in cover for trades and small businesses, including installers. Directly competes for the same SMB installer customer base across liability, professional indemnity, and trade-specific insurance products.

Broad incumbents

• NFU Mutual: Large UK mutual insurer offering commercial and personal lines including cover for trade and rural customers. Provides general business insurance to UK trades including installers, with broader portfolio reach than Installsure.
• Allianz Insurance UK: Major UK insurer offering commercial lines for trades and construction businesses. Broader portfolio across many verticals but competes for the same installer and contractor liability and property cover accounts.
• Ardonagh Group: Large UK insurance broker group that owns Towergate and multiple other broker brands serving trades and SMBs. Indirect competitor through subsidiary brands distributing commercial cover to the installer and trade segment.
• Howden Group: Major UK insurance broker group with broad commercial capabilities including trade, construction, and specialty sectors. Overlapping customer base of UK trade and construction businesses seeking commercial cover.
• Towergate Insurance: Large UK commercial insurance broker serving trades and SMBs across the country. Broader portfolio than Installsure but overlaps in business insurance distribution to small installation companies.
• Hiscox UK: Established UK insurer and broker offering cover for trades and professionals, including liability and professional indemnity for construction trades. Broader portfolio but meaningful overlap in the installer segment Installsure serves.
• Everywhen: Large UK commercial insurance broker and Installsure's referral partner for business insurance products. Overlaps in business insurance distribution to installer customers and serves as both partner and adjacent competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/installsure
• Facebookfacebook.com/installsure
• LinkedInlinkedin.com/company/installsure

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Installsure