Commercial Warranty Solutions

Are you building a commercial development?

Our Commercial Warranty is designed to protect owners or developers of commercial sites from potentially costly defects. The use of a warranty replaces the uncertainty of collateral warranties with the security of a first party insurance policy. Take a look below to learn more about what our Commercial Warranty includes and how we can help with your next project or get a quote by filling in our online application form.

On mixed use sites the Commercial Warranty can be used in conjunction with our New Home, Private Rental or Social Housing warranties to provide comprehensive protection for the entire development.

If your project contains a building of six storeys or more you will also benefit from our Major Projects Service. To see if your building/s would qualify as a major project check out our tall buildings graphic.


10 years
10 year cover period
Variable excess
Excess: Variable, subject to sum insured
Up to 10M
Financial limits -
Reconstruction cost up to: £10,000,000
Up to 25M
New Build: £25,000,000*
Conversions: £5,000,000

*Higher limits on request

Cover Included:

Mechanical and Electrical Inherent Defects  (For 5 years from completion)

Contaminated Land (For the policy duration - 10 years)

Additional Costs / Fees  (For the policy duration - 10 years)

Removal of Debris  (For the policy duration - 10 years)

Cover Available:

Loss of Rent Payable (extension to standard)

Loss of Rent Receivable (extension to standard)

Loss of Gross Profit (extension to standard)


Insurance Product Information Documents (IPIDs) summarise what is covered by our policies, making it easier for developers and commercial customers to compare providers and quickly understand the cover available. Download the Commercial IPIDs here.

Larger financial limits are available under the High Value Scheme (HVS) versions of our policies

A small price to pay

Why choose LABC Warranty?

A’ rated insurers

All of our policies are underwritten by ‘A’ rated insurers, giving you and your customer’s peace of mind.

Full risk transfer

If you’re the contractor of the development we offer full risk transfer, minimising your potential exposure.

No. 1 for technical support

You will benefit from the expertise of our Risk Management Surveyors, working alongside your Local Authority Building Control team (LABC Warranty was rated as No.1 for technical support in independent research conducted in 2020.)

LABC partners

Since 2007 LABC Warranty has worked in partnership with Local Authority Building Control (LABC) to provide secure and reputable structural warranties

How to apply for a LABC Warranty

You can get a quote by completing our online application form. To complete the application we’ll need to know a few important things, such as – project location, number of units, the estimated sale value and your developments start and end dates. Our insurance boffins can then crunch all the numbers and give you a quote. Once you are happy and accepted the quote then your Risk Management Surveyor will be in touch…


How we work with you on site

We have a national network of experienced surveyors who work closely with you and your Local Authority Building Control team. Your Risk Management Surveyor will tailor the inspections to the needs of you site. You will also receive a detailed Technical Manual, accredited by RIBA and CIAT to provide you with guidance on each stage of the build.




Major Projects

Providing early, no-obligation engagement at the design stage to help you navigate the regulations and ensure compliance with our technical standards.

Self Builders

We work with you to help build your dream home. Our self-build warranty provides security, peace of mind and can be used to secure finance from lenders.

Home Owners

Our LABC Warranty protects your new home from structural damage that may occur during the first ten years after your home is completed.