Commercial Warranty

Commercial Building Warranty

Flexible structural cover for commercial developments of all sizes

A Commercial Building Warranty from Protek is a structural insurance policy designed to safeguard your investment in offices, retail centres, mixed-use developments, care homes, warehouses and more. Whether you’re developing to lease, sell, or retain long term, our commercial latent defects insurance protects against the cost of fixing major structural issues – even if the builder is no longer around.

The warranty can be arranged at any stage of the build, including post-completion, but it’s often more cost-effective to secure cover before works begin. Unlike collateral warranties, there’s no need to prove negligence, and the protection stays with the building – giving peace of mind to future owners, tenants or funders.

It’s a practical way to manage risk, satisfy lender or tenant requirements, and futureproof your asset.

Key Inclusions At A Glance

How we are different

Built-In Flexibility for Modern Developments

At Protek, we understand that investment models can change — so our commercial warranties are built with flexibility at their core. Whether you’re developing to lease, planning a build-to-rent model, or intending to sell post-completion, our structural warranty products adapt to support your evolving goals.

If your plans shift years down the line, your warranty stays relevant. For example, if you build to rent but later decide to sell, your cover remains robust and transferable. That means peace of mind for you, your tenants, and any future owners — all backed by a product designed for long-term protection.

Who Can Use This Warranty?

Whether you’re developing a logistics hub, fitting out a commercial unit for lease, or investing in a multi-use project, Protek’s Commercial Building Warranty is built to suit a wide range of commercial asset strategies. It’s lender-recognised, forward-compatible, and built for real-world usage.

For Developers

Secure cover before or during construction to protect your investment and satisfy lender or funder requirements.

For Property Owners

Even if the build is already complete, cover can still be arranged to safeguard against hidden defects and reduce long-term liability.

For Build-to-Rent Projects

If your long-term plan shifts to sale or lease, our flexible policy structure lets you futureproof your asset with no need to renegotiate cover.

Learn More About Our Commercial Building Warranty

Get quick answers to common questions about our commercial structural warranty, including how they work, what they cover, and why they matter on your project.

Can the commercial building warranty be arranged after construction has finished?

Yes, it can be arranged post-completion — but it’s usually more cost-effective to arrange it before works commence.

Who can take out the policy — the developer or the owner?

Either party can arrange cover. It’s flexible enough to support different project structures and ownership models.

Does this warranty replace the need for a collateral warranty?

Yes, in many cases. It offers genuine risk transfer, even if the contractor or builder ceases trading — without requiring proof of negligence.

What types of buildings are eligible?

Cover is available for a wide range of commercial developments, including offices, care homes, supermarkets, apartments, hotels, distribution hubs and more.

Is cover available for loss of rental income?

Yes — this can be included as an optional extra, alongside protection for debris removal, professional fees, and contaminated land remediation.

Can’t find the answer to your question? Visit our Frequently Asked Questions page.

Ready to Secure Your Project with a Protek Warranty?

Our flexible, lender-approved structural warranties help keep your build moving — backed by expert support from day one.