Protek’s full range of structural warranty products is available to insurance brokers and intermediaries across the UK. Whether you’re looking for straightforward solutions or something more bespoke, our team is here to support you in identifying the right product for each scenario.
If you’re unsure about the best approach for a client or have a specific development in mind, we’re happy to help.
???? Call: 0333 456 5040
✉ Email: brokers@protekwarranty.co.uk
Why Structural Warranties Matter for Your Clients
A 10-year structural warranty is now a common requirement not only for residential and commercial new builds but also for conversions and extensions. These policies aren’t just a box-tick for lenders — they serve a vital role in long-term risk management.
In most cases, it’s the bank or building society financing the development (or offering the end mortgage) that requires the warranty. However, brokers and intermediaries should also consider the legal responsibilities placed on developers under the Defective Premises Act.
This legislation imposes a non-excludable duty on anyone “taking on work” — such as developers or contractors — to ensure:
- The work is done in a professional, workmanlike manner
- Proper materials are used
- The dwelling is fit for habitation on completion
If a dwelling is later found to be uninhabitable due to poor workmanship or materials, those responsible may face compensation claims from homeowners. Having a structural warranty in place helps reduce this liability and provides an additional safeguard for your client.
A Door-Opening Opportunity for Brokers
Unlike a Contractors All Risk (CAR) policy, a structural warranty is project-specific — and not tied to a renewal cycle. This makes it a valuable foot in the door for insurance brokers looking to build stronger relationships with construction clients.
If you’ve got a live project or want to explore how Protek can help you deliver more value to your clients, get in touch with our broker team today.
Product Governance & Fair Value Assessments
Protek has made substantial updates to its product governance framework in line with FCA requirements. This includes conducting thorough Fair Value Assessments for both consumer and commercial products.
We’ve always placed strong emphasis on ensuring that our warranty products deliver real value — and our updated processes reinforce that commitment.
Click here to see our Product Governance & Fair Value Assessments.