What Build Warranty Services does

Build Warranty Insurance Services Ltd is a UK-authorised structural warranty insurance provider, regulated by the Financial Conduct Authority (Company Registration Number 11744465), that issues 10- and 12-year lender-approved structural warranties for residential and commercial developments. Its portfolio covers six project types: new build, high-value and mixed-use developments, renovation and conversion, retrospective cover for properties up to 10 years old, housing-association schemes, and self-build projects. Complementary products include a full range of performance, contract, road-and-sewer, and Section 106 bonds, plus an introducer service to a panel of FCA-authorised development finance partners. All warranty policies are backed by A-rated insurers, which is the prerequisite for acceptance by all major UK mortgage lenders.

Service delivery is digitised through the proprietary LDI-Tech® platform, which integrates a Client App, a Partner App, and a native iOS/Android Surveyor App with offline sync, voice-to-text dictation, automatic Points of Attention selection, and duplicate-report functionality. Technical auditing is performed by chartered RICS, CIOB, and CABE surveyors across a six-stage inspection process covering basements, foundations, DPC and ground floor, roof structure, weatherproofing, and completion. The company is supported by a formal BW Partner Program for architects, surveyors, engineers, and brokers, with a broker portal for application tracking and commission management.

The business model is built on one-time insurance premiums, transaction fees on bond brokerage, and affiliate/referral fees from development-finance introductions, augmented by fees from a Build Warranty Approved product-certification programme. Go-to-market blends direct enterprise field sales with dedicated account managers, an inside-sales phone team, a self-serve online quote engine for SMB and consumer customers, and a partner referral channel. The company is headquartered in Gateshead with a London office and a Europe office in Lisbon, Portugal.

Name

Build Warranty Services

Legal name

Build Warranty Insurance Services Ltd

Website

https://buildwarranty.co.uk

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Build Warranty Insurance Services Ltd is a UK FCA-authorised provider of 10- and 12-year lender-approved structural warranty insurance for new build, renovation, retrospective, self-build, and housing-association projects, supported by a proprietary LDI-Tech® digital platform and a national surveyor network.

Ownership category

akta.pro rank

Product category

Structural Warranty Insurance

NAICS

Building Inspection Services (54135)

SIC

Surety Insurance (6351)

akta.pro primary industry

Home Warranty / Residential Service Contracts (Systems & Appliances) (FSAJALAG)

Keywords

• Structural warranty insurance
• Building warranty services
• Latent defects insurance
• Construction insurance provider
• Developer warranty cover

Headquarters

HQ city

Gateshead

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, Others

Revenue model

1. Structural Warranty Premiums: One-time insurance premiums for 10 & 12-year structural warranty coverage. Premiums are paid at policy inception or according to agreed payment schedules including flexible instalment options for eligible policies. Core revenue driver covering new build, renovation, retrospective, housing association, and self-build projects.
2. Bonds & Guarantees: Performance bonds, contract guarantees, road & sewer bonds, and deposit/retention bonds. Commission or fees from bond brokerage services with fast underwriting and competitive premiums. Covers developers, contractors, and housing associations.
3. Development Finance Referrals: Referral introductions to panel of FCA-authorised development finance partners. Build Warranty acts as introducer; no fees charged to clients for introduction service.
4. Product Approval Programme: Certification service for construction product manufacturers to achieve Build Warranty Approved status. Fees for application processing, technical review, and ongoing compliance monitoring.
5. Technical Auditing Services: Technical auditing services conducted on behalf of insurers as part of warranty process. 6-stage auditing covering basement, foundations, DPC & ground floor, roof structure, weatherproofing, and completion stages.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Build Warranty Services provides lender-approved 10 and 12-year structural warranty insurance for UK residential and commercial construction projects, covering new builds, high-value developments, renovations, retrospective cover, housing association schemes, and self-builds. The company underpins its offering with in-house technical auditing by 35+ qualified surveyors across six construction stages, plus complementary bonds and guarantees and introductions to development finance partners.

Product overview

Build Warranty Services operates as a construction warranty insurance provider offering a unified portfolio of products and services centred on structural warranty insurance. The core product is structural warranties providing 10 and 12-year lender-approved coverage across six project types: New Build Cover, High-Value Developments, Renovation & Conversion, Retrospective Warranties, Housing Associations, and Self Builds. Complementary products include Bonds & Guarantees (performance bonds, road/sewer bonds, contract guarantees) and Development Finance introductions. The entire service delivery is powered by the proprietary LDI-Tech® platform with integrated Client App, Partner App, and Surveyor App for real-time project tracking, inspection management, and document workflows. Supporting services include Technical Auditing (6-stage inspection process by chartered engineers), Product Approval Programme for construction products, Partner Program for industry professionals, and Consumer Code compliance. The company is authorised and regulated by the FCA.

Differentiator

Problem solved

Functional benefit

Brands

• LDI-Tech®: State-of-the-art software platform with integrated apps and portals for warranty management, project tracking, and technical auditing
• Build Warranty Technical Services

Products and services

• Structural Warranties Lender-approved 10 and 12-year structural warranty insurance for residential and commercial developments, covering major structural defects including foundation issues, load-bearing walls, and roof structure problems. Accepted by all major UK mortgage lenders and banks. Available across new build, high-value developments, renovation, retrospective, housing association, and self-build project types.
• New Build Cover Comprehensive 10 and 12-year structural warranties for developers, builders, self-builders, contractors, and housing associations on new construction projects. Accepted by all major UK mortgage providers.
• High-Value Developments Cover Specialist structural warranty coverage for large-scale, high-value, and mixed-use development projects with high indemnity limits. Used by developers, housing associations, and major contractors for complex schemes.
• Renovation & Conversion Cover Warranty cover for major renovations, extensions, property conversions including barn conversions, commercial-to-residential conversions, and change-of-use projects, providing coverage that NHBC does not offer.
• Retrospective Warranties Post-completion structural warranty insurance for buildings completed without original warranty protection. Essential for resale, refinancing, and mortgage requirements. Available for properties up to 10 years old.
• Housing Association Warranty Cover Specialist structural warranty insurance for housing associations and registered providers covering social housing developments, mixed-tenure schemes, and volume projects. Includes coverage for affordable housing, shared ownership, supported housing, and Section 106 developments with volume discounts.
• Self-Build Warranty Cover 10-year structural warranty insurance for self-build and custom-build homes with flexible inspection schedules. Essential for mortgage approval and resale. Covers traditional builds, kit homes, modular buildings, and eco builds including passive houses.
• Bonds & Guarantees Specialist bond solutions for developers, contractors, and housing associations including contract guarantee bonds, performance bonds, advance payment bonds, warranty/defects liability bonds, tender/bid bonds, deposit bonds, retention bonds, Section 106 bonds, restoration bonds, off-site material bonds, and road and sewer bonds under UK adoption legislation. Fast underwriting with competitive premiums.
• Development Finance Referrals Introduction service to FCA-authorised development finance partners through a panel of specialist lenders. One enquiry accesses multiple lenders for residential, mixed-use, and high-value developments with no obligation. Build Warranty acts as introducer.
• Technical Auditing Comprehensive technical auditing conducted by chartered Building and Structural engineers with 35+ qualified surveyors providing nationwide coverage. 6-stage inspection process covering basement, foundations, DPC and ground floor, roof structure, weatherproofing, and completion stages. Provides detailed reports with photographic evidence.
• Build Warranty Approved (Product Approval Programme) Certification programme ensuring construction products meet rigorous performance, testing, and certification standards. Suppliers achieving Build Warranty Approval demonstrate excellence through third-party certification, laboratory testing, and technical review.
• Build Warranty Surveyor App (iOS & Android) Native iOS and Android mobile application for Build Warranty surveyors that enables on-site inspection capture including pre-allocated site visits, duplicate-report functionality for repetitive plots, automatic Points of Attention selection, offline capability with auto-sync, voice-to-text dictation, and multiple photo uploads. Reduces inspection report turnaround.
• BW Partner Program Referral programme for architects, surveyors, engineers, and brokers. Partners receive dashboard access with unique referral links, partner kit with logos and assets, broker portal for tracking applications, and commission-based remuneration.
• Claims Processing Warranty claims handling with dedicated customer service and claims teams. Claims reported via helpline or email with guidance on documentation and next steps.

Quantifiable outcome

• 5.0 star average customer rating with 290+ verified reviews
• +3 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Architects (Partner Program)minorChannel Partner/ Reseller/ DistributorArchitects join the BW Partner Program to provide clients with warranty coverage recommendations. Partners access referral links, partner kit with branding assets, and commission for successful referrals. Partners want to ensure clients get the right warranty coverage at competitive prices.
• Surveyors & Engineers (Partner Program)minorChannel Partner/ Reseller/ DistributorQualified surveyors with PI Insurance can join the BW Surveyor Network combined with referral programme. Partners access broker portal for tracking applications and receive partner kit for client communications.
• Brokers (Partner Program)coreChannel Partner/ Reseller/ DistributorBrokers can apply to join the programme and enter into TOBA (Terms of Business Agreement) for compliance. Build Warranty provides tools including broker portal, tracking dashboard, and dual-branded marketing materials. Partners benefit from attractive remuneration package with prompt payment structure.
• UK Major Mortgage LenderscoreStrategic or Co-development PartnerPolicies are accepted by all major UK mortgage lenders and meet strict UK Finance compliance requirements for mortgage approval and FCA regulations. This lender approval is fundamental to the value proposition for developers and property buyers.
• Professional Bodies (RICS, CIOB, CABE, HBF)coreStrategic or Co-development PartnerTeam members hold professional memberships with RICS (Royal Institution of Chartered Surveyors), CIOB (Chartered Institute of Building), CABE (Commission for Architecture and the Built Environment), and HBF (Home Builders Federation). These accreditations provide credibility and ensure adherence to industry standards.
• CTSI (Trading Standards)minorStrategic or Co-development PartnerBuild Warranty adheres to CTSI Approved Code - Trading Standards requirements. The Consumer Code aligns with industry standards for consumer protection in new home purchases.
• New Home Warranty Code (NHWC)minorStrategic or Co-development PartnerBuild Warranty is a member of the New Home Warranty Code scheme, providing additional consumer protection standards for new home buyers.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Allianz Insurance (Latent Defects): Allianz is a global insurer providing latent defects and structural warranty products across the UK and Europe. As a broad incumbent, it competes for high-value commercial and residential warranty business and serves as both a competitor and a potential capacity partner for smaller warranty providers like Build Warranty.
• Zurich Insurance (Latent Defects): Zurich is a major UK insurer offering latent defects and structural warranty products for commercial and residential developments. It competes for large developer and high-value warranty business and serves as an additional A-rated capacity option in the UK structural warranty market.
• NHBC: NHBC is the UK's dominant structural warranty provider, insuring the majority of new-build homes and offering the benchmark 'Buildmark' 10-year warranty product. It is the primary incumbent Build Warranty competes against for developer and self-build business, with deeper housebuilder relationships and wider lender acceptance.
• QBE Insurance (Structural Warranty): QBE provides latent defects insurance and structural warranties for residential and commercial developments in the UK. As a broad incumbent insurer, it competes for high-volume developer business and is a potential A-rated capacity provider that Build Warranty or its panel insurers could partner with.

Direct peers

• Premier Guarantee (MD Insurance Services): Premier Guarantee is one of the largest UK structural warranty providers, offering 10 and 12-year latent defects cover for residential and commercial developments. It is a direct competitor to Build Warranty across new build, high-value developments, and housing association segments, with comparable lender approval.
• Protek Warranty: Protek Warranty is a UK structural warranty provider offering 10-year new home warranties, commercial latent defects cover, and self-build solutions. It directly competes with Build Warranty on price, lender approval, and surveyor-led technical auditing for residential and mixed-use developments.
• LABC Warranty: LABC Warranty provides structural warranties for new homes, conversions, and commercial projects in the UK, with local authority building control expertise. It competes head-to-head with Build Warranty across new build and self-build segments and offers similar 10-year cover accepted by major lenders.
• ARW (Architects Registration Board Warranty) - Checkmate Warranty: Checkmate is a UK provider of structural warranties and building control services focused on new build, commercial, and self-build projects. It is a direct peer competing on price, lender approval, and surveyor-led technical auditing for residential developments.
• CRL Management (Structural Warranty): CRL Management provides structural warranties, building control, and consultancy services across the UK. It is a direct competitor for new build warranty, retrospective cover, and surveying services, and shares Build Warranty's positioning around flexible solutions for smaller developers and self-builders.

Emerging players

• Self-Build Zone: Self-Build Zone specialises in structural warranties for self-build, custom build, and renovation projects in the UK. It overlaps directly with Build Warranty's self-build and renovation product lines, offering lender-approved 10-year cover tailored to non-volume residential customers.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/buildwarranty
• Facebookfacebook.com/buildwarranty
• Xtwitter.com/buildwarranty
• Instagraminstagram.com/buildwarranty

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries2 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 Build Warranty Services