Latent Defects Scheme for BIBA Members

We provide BIBA members with access to a panel of rated insurers, enabling a full market comparison & providing tailored solutions for every project, big or small.

A Latent Defects scheme created for BIBA members

Our Latent Defects Insurance scheme gives BIBA members access to a panel of rated insurers through one dedicated team. Whether your client is building a single home or delivering a large mixed-use development, we compare the market, tailor the cover and support you from first enquiry to completion.

Why BIBA members place with us

A specialist broker for latent defect insurance (structural, and mechanical & electrical).

Dedicated account manager

One direct point of contact, from initial quote to final certificate.

Multi-insurer rated panel

Deep capacity and flexible underwriting for complex builds.

No minimum volume

Place a single project or a full pipeline. There are no minimum volume requirements.

Technical support

Specialist help and assistance throughout the development of the project.

LDI training sessions

Training for you and your team, delivered in our office or online.

Cover for every type of project

New residential buildings

Structural protection for new-build homes, from single units through to large multi-unit residential schemes.

Commercial developments

Long-term protection for offices, industrial buildings, retail premises and other commercial property.

Self-build projects

Cover for individuals building their own home, protecting against qualifying defects once construction is complete.

Residential developments

Structural protection for new-build residential schemes and property conversions.

New build projects

Protection against qualifying defects arising from the design, materials or workmanship used during construction.

Refurbishments and conversions

Protection for existing buildings converted into new use, including residential, office and agricultural conversions.

Mixed-use schemes

One coordinated solution for developments combining residential and commercial units under a single project.

Social, shared ownership and affordable housing

Defects protection for housing associations, developers and funders delivering social, shared ownership and affordable homes.

Student accommodation, care homes and hotels

Cover for specialist, high-occupancy buildings where structural integrity and long-term performance are critical.

Mechanical and electrical equipment

Inherent defects insurance for mechanical and electrical systems, covering failures arising from design, materials or workmanship.

Retrospective latent defects

Protection for completed buildings that were built without cover in place, helping owners and funders address historic risk.

Modern methods of construction (MMC)

Latent defects protection for buildings delivered using modular, panelised and other offsite construction methods.

New residential buildings

Structural protection for new-build homes, from single units through to large multi-unit residential schemes.
Commercial developments

Long-term protection for offices, industrial buildings, retail premises and other commercial property.
Self-build projects

Cover for individuals building their own home, protecting against qualifying defects once construction is complete.
Residential developments

Structural protection for new-build residential schemes and property conversions.
New build projects

Protection against qualifying defects arising from the design, materials or workmanship used during construction.
Refurbishments and conversions

Protection for existing buildings converted into new use, including residential, office and agricultural conversions.
Mixed-use schemes

One coordinated solution for developments combining residential and commercial units under a single project.
Social, shared ownership and affordable housing

Defects protection for housing associations, developers and funders delivering social, shared ownership and affordable homes.
Student accommodation, care homes and hotels

Cover for specialist, high-occupancy buildings where structural integrity and long-term performance are critical.
Mechanical and electrical equipment

Inherent defects insurance for mechanical and electrical systems, covering failures arising from design, materials or workmanship.
Retrospective latent defects

Protection for completed buildings that were built without cover in place, helping owners and funders address historic risk.
Modern methods of construction (MMC)

Latent defects protection for buildings delivered using modular, panelised and other offsite construction methods.

Key policy features

10 to 12 year policies

Long-term cover available for both residential and commercial projects.

Aligned with UK Finance

All policies are in line with UK Finance requirements and the 2025 guidance notes.

Loss of deposit and insolvency options

Additional options available to protect against loss of deposit and developer insolvency.

10 to 12 year policies

Long-term cover available for both residential and commercial projects.
Aligned with UK Finance

All policies are in line with UK Finance requirements and the 2025 guidance notes.
Loss of deposit and insolvency options

Additional options available to protect against loss of deposit and developer insolvency.

Additional BIBA product enhancements

Whether you’re protecting a single development or a portfolio of projects, our specialists will help you find the right cover for your requirements. Combining local expertise with global capability, we work with leading insurers to protect your investment with confidence.

Extra support for BIBA members, available alongside the scheme:

Building Reinstatement revaluation: access to a reduced-rate Reinstatement revaluation after 3-years
Qlaims facility: professional support and guidance for businesses and private individuals who have a property damage loss
Insurance Backed Guarantees and Bonds & Surety: Acrisure exclusive facilities, available if they are required as part of the insurance solution

Our People

Meet the team

Paul Rose

Director, Acrisure Building Warranties
Steve Padley

Account Manager
George Mayes

Business Development Manager
John Burrell

Business Development Manager

Latent Defects Scheme for BIBA Members

A Latent Defects scheme created for BIBA members

Why BIBA members place with us

Dedicated account manager

Multi-insurer rated panel

No minimum volume

Technical support

LDI training sessions

Cover for every type of project

Key policy features

Additional BIBA product enhancements

Meet the team

Explore related solutions

Residential Warranties

Insurance Backed Guarantees

Surety Bonds

Trade Credit

Let's start the conversation