PROTEK IS BACKED BY A-RATED INSURERS
PROTEK IS BACKED BY A-RATED INSURERS
At Protek, we’ve built a reputation for delivering structural warranties that work in the real world — not ones that slow down your project with red tape. We underwrite our policies with ‘A’ rated, UK-authorised insurers, and our proactive service ensures your warranty supports your build from start to finish.
Here’s a few reasons why:
Which product is right for you? Our range of structural warranty products is comprehensive with schemes for specific project types. Take a look at our range of 10 or 12 year warranties below.
Structural warranty cover for new build, mixed-use, or regeneration developments. Includes 10–12 years of protection with the developer responsible for defects in the first two. Optional cover for occupant safety, contaminated land, and alternative accommodation.
Tailored for developers, PRS operators and investors in the rental market. Offers flexible underwriting to support your funding model while protecting the long-term investment.
For developments exceeding £25 million in value. Provides bespoke warranty solutions with higher financial limits, ideal for large-scale or complex construction projects.
A major damage-only warranty that transfers full risk upon project completion. Suitable for new builds, conversions, extensions or regeneration — even for projects already underway or post-liquidation.
Designed for properties completed within the last 10 years without a structural warranty or with only a Professional Consultants Certificate. Provides robust cover for investors, developers or receivers needing backdated protection.
Created for individuals managing their own build or conversion project. Whether DIY or builder-led, this warranty ensures coverage through construction and beyond. Visit protekselfbuild.co.uk for more.
Flexible 10-year cover adapted to any custom build delivery model. Suits projects involving enablers, shell-builds or serviced plots with buyer involvement throughout the process.
Our standard new home warranty is also suitable for housing associations, residential social landlords and contractors delivering social or affordable housing schemes.
Get quick answers to common questions about structural warranties, including how they work, what they cover, and why they matter on your project.
A structural warranty (also known as latent defects insurance) provides long-term protection for new and newly converted properties. It covers the cost of correcting major structural defects that arise from workmanship, materials, or design issues—typically for a period of 10 or 12 years following completion.
Unlike a professional consultant’s certificate, a structural warranty is an insurance-backed product. This means there’s no reliance on a single professional’s liability—it’s a more secure and widely accepted form of protection, especially when selling homes or seeking finance.
Lenders recognise the strength of this coverage, and many now require structural warranties as a condition of mortgage lending. For developers, this means your properties are more marketable and sale-ready from the outset.
A structural warranty isn’t just a box to tick — it’s an essential layer of protection for both developers and homeowners.
From a developer’s perspective, it makes your properties more appealing to buyers and lenders alike. Most mortgage providers now require a structural warranty in place before they’ll approve finance. Without one, you could face slower sales, delayed completions, or risk buyers walking away altogether.
From a risk perspective, the warranty protects against costly structural defects that could emerge after completion. If issues arise with foundations, load-bearing walls, or the structural frame, the warranty steps in to cover repair costs — which can often reach tens or even hundreds of thousands of pounds.
Unlike an architect’s certificate or professional indemnity cover, a structural warranty is an insurance-backed product, not tied to any individual. That means it remains valid even if the builder goes out of business or the original consultant is no longer available.
For homeowners, it provides peace of mind. For developers, it builds trust, speeds up sales, and reduces liability exposure.
Our structural warranty products cover a wide range of developments including residential homes, commercial units, mixed-use buildings, regeneration schemes, conversions, permitted developments, social housing, and custom or self builds. We tailor solutions to suit the delivery method of your project.
Yes. Protek is listed in the UK Finance Handbook and our warranties are accepted by major UK mortgage lenders. This makes the resale of new homes simpler and gives your buyers added peace of mind.
Protek works with a wide range of lenders. Click here to see all our approved lenders.
Can’t find the answer to your question? Visit our Frequently Asked Questions page.
Our flexible, lender-approved structural warranties help keep your build moving — backed by expert support from day one.
Protek Group Ltd is authorised and regulated by the Financial Conduct Authority. Protek Group Limited FCA Reg. No. 999394
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© Copyright 2025 by Protek Group Limited.
Protek Group Ltd is authorised and regulated by the Financial Conduct Authority. Protek Group Limited FCA Reg. No. 999394.
Protek Group Ltd registered office: First Floor, Marlbridge House, Enterprise Way, Edenbridge, Kent, TN8 6HF. Registered in England and Wales. Company Number 09616620.
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Financial Ombudsman Service: Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 | www.financial-ombudsman.org.uk
Online Dispute Resolution platform Consumers wishing to complain about a policy sold online can register the complaint using the Online Dispute Resolution platform (ODR) at http://ec.europa.eu/consumers/odr/