Commercial latent defects insurance

Commercial latent defects insurance

The Build-Zone Commercial Latent Defects Insurance has been designed for new builds & conversions of commercial & mixed-use developments, of any size. These include student accommodation, care homes, offices as well as industrial units & retail units.

Features of the Commercial Latent Defects Insurance:

  • Cover available for loss of rent and alternative accommodation
  • Reduced cost and risk in comparison to collateral warranties
  • Waiver of subrogation rights possible
  • Flexible financial limits can be agreed subject to referral
  • Makes re-sale more attractive & is fully transferable to subsequent owners
  • Cover can be arranged on completed or part-completed properties
  • The policy covers the structure of the building for 10 or 12 years, with defective weatherproofing covered from year 2


The Latent Defects Insurance is underwritten by an ‘A’ rated global insurer & each case is subject to full technical review by Build-Zone Survey Services Limited with the aim of minimising any defects right from the design stage.

Call the Build-Zone Team
01843 603345
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Technical Services

Technical services are handled by our in-house team Build-Zone Survey Services Limited (BZSS). They can facilitate building control for you with one of their partnered approved inspectors. Every inspection is audited by BZSS to give you further peace of mind.

 Where Building Control has already been arranged elsewhere, technical audits are undertaken by one of BZSS’s partnered approved inspectors to ensure the project reaches the standard required for the issue of the warranty. Both insurers and Build-Zone understand the value of this service and this is reflected in the premiums that are charged. The sooner that BZSS are involved, the greater the benefit that can be realised.