PRS Insurance

Our Private Rental Warranty is designed for developers building properties that they intend to rent rather than sell. Our cover protects the developer, contractor, tenant and investor from unforeseen defects. With up to 12 years of cover, our warranty can protect maintenance budgets and provide certainty for life cycle costs and budgeting.

Take a look below to learn more about what our PRS Warranty includes and how we can help with your next project or get a quote by filling in our online application form.

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


10/12 years
Cover Period -
Defects Insurance Period: 1 years Structural Insurance Period: 9/11 years
Up to £1M
Financial Limits -
New Build: £1,000,000
Conversions: £500,000
Up to 25M
Continuous Structure Limit -
New Build: £25,000,000
Conversions: £5,000,000
From £100
Excess -
Defects Insurance Period: £100
Structural Insurance Period: £1,000


Cover for Building Control function
Contaminated Land Cover
Alternative Accommodation
Additional Costs / Professional Fees
Removal of Debris
Cover for Building Control function
Loss of Rent (extension to standard)
Builder Insolvency (extension to standard)
Protect your investment

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.

Proven track record

Having provided cover for over 10 years we have worked with some of the largest house builders and contractors to help deliver quality projects.

Flexible approach

Our national network of surveyors work with you on site to find solutions and help you deliver quality homes

LABC partners

You will benefit from the expertise of our Risk Management Surveyors, working alongside your Local Authority Building Control team.

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.




On sites covered by LABC Warranty we can also act as surety to provide free road and sewer bonds (subject to meeting our criteria). This can allow you to reassure the relevant Local Authority or Water Authority that road and sewers will be completed to adoptable 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.

Housing Associations

We provide a range of structural warranties for providers of social or affordable housing designed to protect assets and deliver high quality housing.

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.