Latent defects insurance for warehouses, industrial units and logistics buildings
Structural cover for new industrial and commercial units, usually for 10 or 12 years and arranged with specialist underwriters - for the developer, the buyer, the funder and the tenant long after the contractor has left site.
- Instant response
- Insurer quotes usually within one working day of your proposal
- UK FCA Regulated Broker
- No broker fee to pay
- Trade counters to big-box logistics
Fast answers
No more waiting weeks for a warranty quote
A slow broker holds up your site, your sales and your funding. We work to clear timescales.
1
Instant response
Send us your details and you get an instant reply by email with your reference and what we need next.
2
A call the same working day
We usually contact you the same working day to talk through your scheme and the providers likely to cover it.
3
Insurer quotes usually within one working day
Once we have your completed proposal and drawings, insurer quotes usually come back within one working day. Retrospective cover and unusual sites can take longer.
Buildings we cover
Structural warranties for industrial and commercial units
We work with developers and contractors on everything from a short terrace of trade counters to a large regional distribution centre. Choose the building closest to yours.
Warehouses
Single and multi-bay warehouses built to sell, to let or for the owner's own use.
Warehouse latent defects insurance
Industrial units and estates
Light industrial units, trade counters and multi-let estates, with each unit normally certified.
Industrial unit warranty
Logistics and distribution
Big-box sheds, cross-dock buildings and last-mile hubs where downtime is costly.
Distribution centre warranty
Portal frame buildings
Steel frames, roof sheeting, cladding and large-span structures.
Portal frame building warranty
Commercial latent defects insurance
What CLDI is, what it usually covers and how it compares with collateral warranties.
CLDI explained
Investors, funders and tenants
Why the people who buy, fund and occupy industrial buildings ask for latent defects cover.
Cover for investors and occupiersWhy a specialist
Industrial buildings carry their own risks
Commercial occupiers and the people who fund them now look for the kind of structural protection that house buyers have expected for years. On a portal frame or large-span building that makes sense - once a unit is racked out and trading, putting right a hidden defect is slow, disruptive and expensive.
- Big roofs, big consequences. A leak at a lap, a rooflight or an internal gutter can spread across a large floor area before anyone traces it.
- The slab does the heavy lifting. Racking, forklifts and heavy plant put real demands on the floor slab and the ground beneath it.
- Many parties rely on the building. Developers, buyers, funders and tenants on repairing leases all have an interest in the structure.
- Timing matters. Cover is usually simplest and best value when it is registered before work starts on site.
Industrial latent defects cover at a glance
How it works
From first enquiry to final certificate
Tell us about the scheme
The site, the buildings, the rebuild cost and where you are up to.
We approach underwriters
We take the scheme to specialist underwriters with an appetite for industrial risks.
Your quote
A written quotation naming the provider, with every cost set out separately.
Inspections
The provider's surveyor, or an inspection service it appoints, checks the ground works, frame, roof, cladding and slab.
Cover issued
A final certificate for each unit, normally once it is complete and signed off by the provider.
Questions
Common questions about industrial warranties
Is latent defects insurance a legal requirement on a commercial building?
Usually not. No general rule makes it compulsory on an industrial unit, though a funding agreement, agreement for lease or sale contract can make it a condition. It is typically asked for by the people involved in the deal - a buyer, an investor, a funder or a tenant - and it is much easier to arrange before work starts than once someone asks for it later.
What does it usually cover?
Damage caused by a defect in the design, workmanship or materials of the structure, and on many policies the weatherproof envelope - typically the roof and cladding, and the floor slab where it is included. Optional extensions such as loss of rent or mechanical and electrical cover are available from some insurers, but they are not standard. The policy wording sets out the detail.
Can the cover pass to a buyer or a tenant?
Often, yes. Many policies can be assigned to later owners and to tenants for what remains of the policy period, which is one reason investors and occupiers value it. Check the assignment terms in the quotation.
Are you an insurer?
No. We are an insurance broker. We find and arrange cover on your behalf, and the policy is provided by the warranty provider or insurer named in your quotation.
WARRANTYWIZARD
Got a quick question first?
Ask our Exclusive AI Powered WARRANTYWIZARD - how structural warranties work, what lenders usually expect or what documents to get ready.
WARRANTYWIZARD is AI powered and answers straight away, day or night. Like any AI it can occasionally make mistakes, and it gives general information about structural warranties, not advice or a price - so check anything important with our team, and for a quote use the project form or call us.
Warranty with WhatsApp
Do the whole thing on WhatsApp
You can handle the whole process on WhatsApp - questions, photos and drawings, your proposal, your quotes and arranging your cover.
A person on our team replies in UK working hours. Message us any time and we will pick it up as soon as we are back.
Tell us about your scheme
Give us the basics and we will come back with the underwriters likely to cover it, what they will need from you and an idea of the cost.
- Takes under a minute
- Instant reply by email with your reference
- Insurer quotes usually within one working day of your completed proposal
- Sites anywhere in England, Scotland, Wales and Northern Ireland
- Free and no obligation
Already filled in a proposal form? Email it to us or send it on WhatsApp with any drawings you have and we will take it from there.