m d insurance services ltd

What m d insurance services ltd does

MD Insurance Services Ltd, trading as Premier Guarantee, is a Birkenhead-headquartered provider of structural warranty insurance and building control services in the UK. The company has operated since 1998 and is a wholly owned subsidiary of HSB Engineering Insurance Limited, itself part of HSB Group within Munich Re, providing the capital backing and reinsurance panel (HSB, AXA, AmTrust, Liberty) that underpins its risk-bearing capacity. It is FCA-authorized and holds Registered Building Control Approver status, a regulatory combination that limits direct competition to a small number of UK providers.

The company's core product is a New Homes Warranty, extended into Social Housing, Commercial, Private Rental (Select), Completed Housing, Self Build, and Channel Islands warranties, plus Road and Sewer Bonds. Underwriting and inspection are supported by a digital stack comprising the InSite platform, Customer Extranet, Claim Notification Portal, and a Technical Manual currently at Version 17, alongside a national network of surveyors and eight regional business development managers. Customers range from top-tier UK housebuilders (Berkeley Homes, Redrow, Crest Nicholson, Galliard Homes, Avant Homes) to mid-market developers (Stonebond, Chalegrove, MCI Developments).

The business model combines tiered per-plot registration fees (Small £790, Medium £1,320, Large £2,020, X Large £3,470) with commission income from placing warranty risk with its insurer panel, plus fees from building control services. The company withdrew from Cyprus around 2020 and now serves Spain from its UK head office, reflecting a deliberate focus on the domestic structural warranty market.

Name

m d insurance services ltd

Legal name

MD Insurance Services Limited

Website

https://premierguarantee.co.uk

Company type

Private

Founded year

1998

Operating status

Operating

Short description

MD Insurance Services Ltd, trading as Premier Guarantee, is a UK-based provider of structural warranty insurance and building control services to residential and commercial developers, operating since 1998 as a wholly owned subsidiary of HSB Group (Munich Re).

Ownership category

akta.pro rank

Product category

Structural Warranty and Building Control Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Structural warranty insurance
• Building control services
• New home warranties
• Construction risk inspections
• Property insurance products

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, Technology or R&D, Marketing or Sales

Revenue model

1. Structural Warranty Premiums: Insurance premiums charged to builders and developers for structural warranties covering new homes, calculated based on premium rating determined by past experience, claims history, and other risk factors.
2. Registration Fees: Annual registration fees paid by builders and developers to access structural warranties. Initial 12-month registration fee of £1,290, with tiered renewal fees based on number of homes registered (Small: £790, Medium: £1,320, Large: £2,020, X Large: £3,470).
3. Building Control Services: Registered Building Control Approver services through MD Warranty Support Services Limited for Parts II and 2A of the Building Act 1984.
4. Underwriting Agent Services: MD Insurance Services Limited acts as a regulated insurance intermediary acting as an underwriting agent for and on behalf of a panel of insurers (HSB, AXA, AmTrust, Liberty).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

MD Insurance Services Ltd trades as Premier Guarantee and sells insurance-backed structural warranties for new homes, social housing, private rental, self-build, commercial, completed and Channel Islands properties. It also provides registered building control, construction inspections, technical risk management and road and sewer bonds through its group structure.

Product overview

MD Insurance Services Ltd operates under the Premier Guarantee brand as a specialist structural warranty and building control provider for the UK construction industry. The product portfolio centers on insurance-backed structural warranties covering new build residential properties (New Homes Warranty), social housing (Social Housing Warranty), commercial properties (Commercial Warranty), private rental sector (Private Rental Warranty/Select), completed housing, self-build projects, and Channel Islands properties. Underwriting is provided through a panel of 'A'-rated insurers including HSB Engineering Insurance Limited, AmTrust Specialty Limited, Aviva, AXA, and Liberty Syndicate Management. The company also provides Registered Building Control Approver services, technical inspection services through an in-house surveyor network, and digital platforms including the Premier Guarantee Extranet for project management and a Claim Notification Portal for homeowners. Technical guidance is delivered through the Premier Guarantee Technical Manual (currently Version 17), which sets construction standards that warranty holders must meet.

Differentiator

Problem solved

Functional benefit

Products and services

• New Homes Warranty Structural warranty coverage for newly constructed residential properties, available through a panel that includes AmTrust, Aviva, AXA, HSB Engineering Insurance and Liberty.
• Social Housing Warranty Structural warranty for social housing providers and housing associations covering new residential developments.
• Commercial Warranty Structural warranty for commercial buildings and developments that protects against defects in new commercial construction.
• Private Rental Warranty Structural warranty for private rental properties serving landlords and property investors.
• Private Rental Select Warranty Enhanced private rental warranty with additional coverage options underwritten by HSB Engineering Insurance Limited.
• Completed Housing Warranty Structural warranty for newly completed residential properties that do not yet have structural warranty coverage.
• Self Build Warranty Structural warranty for individual self-build residential projects.
• Channel Islands Residential Warranty Structural warranty for residential properties in the Channel Islands, available through AmTrust, Aviva, AXA and HSB.
• Channel Islands Commercial Warranty Structural warranty for commercial properties in the Channel Islands market.
• Road and Sewer Bonds Construction bonds for road and sewer work, underwritten by AmTrust.
• Building Control Services Registered Building Control Approver services provided through MD Warranty Support Services Limited, including design checks and inspections for compliance with Parts II and 2A of the Building Act 1984.

Quantifiable outcome

• Surveyors provide 2-3 site visits per week during construction, with flexible scheduling around builder operations
• +1 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Ten partnerships are on record, tiered core, major and minor.

• AXAcoreTechnology or IntegrationAXA Insurance UK Plc is one of the largest insurers in the world operating in 59 countries with over 161,000 employees and 103 million customers. Rated 'A' by AM Best and 'A+' by Standard & Poor's. Partner insurer providing insurance coverage for Premier Guarantee warranty schemes.
• AmTrust Specialty LimitedcoreTechnology or IntegrationAmTrust Specialty Limited provides insurance coverage for Premier Guarantee warranty schemes. Claims for schemes underwritten by AmTrust are handled by Marley Risk Consultants Limited.
• Home Builders Federation (HBF)majorStrategic or Co-development PartnerHBF is the principal trade body for housebuilders in the UK. Premier Guarantee is a member, providing industry representation and credibility.
• Chartered Association of Building Engineers (CABE)majorStrategic or Co-development PartnerCABE is a professional body for building professionals. Premier Guarantee holds Premium Partner status with CABE. The vast majority of surveyors are Chartered Members or Fellows of CABE.
• UK FinancemajorStrategic or Co-development PartnerUK Finance is the voice of banking and finance industry. Premier Guarantee holds associate membership. Premier Guarantee warranties are accepted by approved mortgage lenders listed in the UK Finance Lenders Handbook.
• Institute of Customer Service (ICS)minorStrategic or Co-development PartnerPremier Guarantee is a member of the Institute of Customer Service, demonstrating commitment to customer service excellence.
• Consumer Code for Home BuildersmajorStrategic or Co-development PartnerPremier Guarantee was a founder member of Consumer Code for Home Builders since 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 CTSI. Provides training, assessment, and Alternative Dispute Resolution service.
• New Homes Quality BoardmajorStrategic or Co-development PartnerNew Homes Quality Board operates the New Homes Quality Code, a voluntary code independent of Premier Guarantee. Developers can register with the board and activate their code compliance. Premier Guarantee supports developers in complying with this code.
• Marley Risk Consultants LimitedminorImplementation/ SI/ Consulting PartnerClaims handler for Premier Guarantee schemes underwritten by AmTrust Specialty Limited. Contact details provided on AmTrust claim submission page.
• Liberty ClaimsminorImplementation/ SI/ Consulting PartnerClaims portal for Premier Guarantee schemes underwritten by Liberty Syndicate Management Limited (Syndicate 4472).

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• NHBC (National House-Building Council): NHBC is the UK's leading provider of new-home structural warranties and building control, covering the majority of newly built UK homes. It is the most directly comparable competitor to Premier Guarantee in residential new-build warranty and underwriting standards.
• Checkmate Warranty: Checkmate Warranty is a UK structural warranty provider offering latent-defects insurance for new-build residential and commercial projects. It directly competes with Premier Guarantee for housebuilder and developer warranty mandates.
• Build-Zone: Build-Zone provides structural warranties and building control for self-build, commercial and residential projects in the UK. It competes in the same new-build warranty segment with comparable insurer panel structures.
• BLP Insurance: BLP Insurance is a UK managing general agent focused on structural warranties, building control and related insurance for the construction sector. Part of the Arthur J. Gallagher group, it is directly comparable in target market and product offering.
• Protek (New Homes Structural Warranty): Protek is a UK provider of structural warranties for new-build residential, self-build and conversion projects. It directly competes with Premier Guarantee across warranty products targeting housebuilders and developers.
• LABC (Local Authority Building Control) Warranty: LABC Warranty delivers structural warranties and building control services alongside Local Authority Building Control. It overlaps directly with Premier Guarantee in residential developer warranty and statutory building control inspections.
• Aedis Regulatory Services: Aedis is a Registered Building Control Approver and provider of building control services in England and Wales. It overlaps with MD Warranty Support Services in the statutory building control segment serving residential and commercial construction.

Others

• Crawford & Company: Crawford & Company is a major global claims management provider serving the insurance industry. It is comparable as an ecosystem participant in structural warranty claims handling rather than a direct warranty competitor.
• Marsh (Marsh Ltd): Marsh is a global insurance broker and risk adviser that places construction, warranty and liability coverage for property developers. It is an ecosystem participant placing structural warranty business with carriers, often alongside Premier Guarantee on the same panel.

Broad incumbents

• Zurich Insurance UK: Zurich is a broad incumbent UK general insurer offering property and casualty coverages that include elements of construction and structural insurance. It overlaps with Premier Guarantee's underwriting panel in property insurance, though it does not specialise in new-build structural warranties.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries6 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 m d insurance services ltd