Developer Insurance
From site insurance to 10-year structural warranties – Protek offers a comprehensive range of insurance and warranty products for residential property developers building to sell or let.
WHY IT MATTERS
Protect your development - from groundworks to handover
Property development carries significant financial exposure at every stage – from site clearance through construction to completion and sale. A single claim for structural damage, theft of materials or injury on site can have serious consequences for your project timeline and budget. Protek’s developer insurance products are designed specifically for the residential development market, giving you comprehensive cover that protects the build, your liability, and your homebuyers.
Whether you need construction all-risks insurance, a 10-year new home structural warranty, or both, Protek has a product tailored to your development.
WHAT’S COVERED
All-risks cover for permanent and temporary works, materials on site and in transit
Cover for injury to third parties and claims connected to your development
Structural warranty for each completed home – defects covered for 10 years from completion
Homebuyer deposit refunded or home completed if you cease trading, become incapacitated or die
Indemnifies homeowners against remediation expenses for contaminated land
Liability cover under Section 3 of the Defective Premises Act 1972
Flexible cover for the full development period
Developer insurance from Protek is available on an all-risks basis for the full duration of your project – whether that’s a few months or up to two years. Cover is suitable for contracts up to £5M and can be extended if your project is delayed.
Every development is different. Whether you’re building a single residential unit or a multi-plot scheme, Protek can structure cover to suit your project – combining construction all-risks insurance, liability cover, and a 10-year structural warranty to protect both you and your homebuyers throughout and beyond the build.
Structural Damage During Construction
Fire, flood, storm or accidental damage to permanent and temporary works during the build can cause significant cost and delay. All-risks cover protects the full contract value throughout the development period.
Theft of Materials and Plant
Construction sites are a target for theft. Materials on site, in transit and hired plant and equipment are all covered under Protek's developer insurance - reducing the risk of costly delays to your programme.
Liability to Third Parties
Injury to members of the public, neighbours or workers, and damage to adjacent property can result in significant legal claims. Public and employers' liability cover is an essential part of any residential development project.
COVER FEATURES
Insurance built around your development
Protek’s developer insurance is flexible, comprehensive and competitively priced – whether you need site insurance only, a structural warranty for your buyers, or both together.
New Home Structural Warranty
A 10-year warranty for each completed home. Developer holds responsibility for defects in years 1-2; full risk transfer to Protek in years 3-10.
Construction All-Risks Insurance
Fixed-term all-risks cover for the development period, including off-site storage, professional fees and optional cover for hired plant, tools and equipment.
Waiver of Subrogation
Cover for waived rights of recourse against sub-contractors directly engaged in accordance with JCT Contract Conditions.
Free Registration
Registration for the new home warranty is completely free. Simply apply online and we will handle the process from there.
Ready to protect your development?
Get a quote online in minutes – tailored to your project value and contract duration.
GET COVERED
Get your developer insurance quote online
Our specialist team has extensive experience working with residential property developers across the UK. We understand every development is different and will ensure your cover is structured correctly. Call us on 0333 456 8030 to discuss your project, or get a quote online now.
01.
Get a quote online
Answer a few quick questions about your development – project type, contract value and duration – and get a full quote in minutes.
02.
Tailor your cover
Choose the level of cover that fits your development and budget. Select only what you need – site insurance, structural warranty, liability cover, plant cover – and nothing you don’t.
Build with confidence
Receive your policy documents and begin your build knowing your project is protected from day one. Need to extend because your build is running over? Protek offers flexible short-term extensions.
Get started ›FREE RESOURCES
Download our free guides
Our guides explain your cover options in plain English – no jargon, no obligation.
FREE PDF GUIDE
Developer Insurance Guide
A complete overview of site insurance and structural warranty options for residential property developers – covering contract works, liability, new home warranties and more.
Download Free GuideFREE PDF GUIDE
New Home Warranty Brochure
Everything your homebuyers need to know about the Protek 10-year new home structural warranty – what’s covered, how inspections work, deposit protection and the claims process.
Download Free Guide
THE EXPERIENCED PROVIDER
The experienced developer insurer you can rely on
Protek has extensive experience working with residential property developers across the UK. We work with an A-Rated insurer to deliver site insurance and structural warranty products that genuinely protect your project and your homebuyers. Whether you’re developing a single plot or a multi-unit scheme, we’ll structure the right cover for your needs.
COMMON QUESTIONS
Frequently asked questions
What developer insurance products does Protek offer?
Protek offers two main products for developers: construction all-risks site insurance covering damage, theft and liability during the build; and a 10-year new home structural warranty protecting homebuyers against defects in design, workmanship, materials and components. These can be purchased separately or together.
What contract values are eligible for site insurance?
Protek’s construction all-risks insurance is available for contracts up to £5M in value. The cover runs for a fixed term aligned to your project duration – from a few months up to two years – and can be extended if the project is delayed, removing the need for annually renewable contractors all-risks cover.
Does the 10-year warranty protect my homebuyers?
Yes. The new home warranty provides 10 years of cover from the date of completion. The developer holds responsibility for defects in years 1 and 2, with full risk transfer to Protek in years 3 to 10. The warranty also includes loss of deposit protection – if you are unable to complete due to ill health, death or insolvency, the underwriter can refund the homebuyer’s deposit or complete the home.
Is the new home warranty accepted by mortgage lenders?
Yes. Protek’s structural warranty is accepted by major UK mortgage lenders, which is important for your homebuyers securing mortgages. The property will have been thoroughly inspected during construction, giving lenders the assurance they require.
Is contaminated land included?
Yes. The new home warranty policy includes contaminated land cover, which indemnifies homeowners against remediation expenses for treating, isolating or removing any substance from the land in accordance with any statutory notice.
How do I get a quote?
You can get a quote online or call our team on 0333 456 8030 to discuss your development. We’ll need details of the project, contract value and anticipated programme to provide you with a tailored quotation.
ALSO CONSIDER
Need self-build site insurance instead?
If you’re building for yourself rather than to sell, Protek also offers self-build site insurance specifically designed for self-builders, renovators and those converting existing properties.
10-Year Structural Warranty
Required by most mortgage lenders. Covers major structural defects for 10 years after completion.
Find out more ›
Self-Build Mortgage Support
Protek’s policies meet lender requirements for staged-release mortgages – making your application straightforward.
Find out more ›
Policy Summary
All extension insurance cover information at a glance – exactly what is and isn’t included in the policy.
Request a summary ›Protect your development and your homebuyers.
Comprehensive developer insurance from Protek – site insurance and structural warranty products built for the residential development market.
Get a Free Quote 0333 456 8030
✓ A-Rated Insurer ✓ 10+ Years Experience ✓ Trusted by thousands