The Federation of Master Builders

FMB Building Work Guarantee

Up to a decade of protection

Our FMB Building Work Guarantee* is an insurance backed guarantee providing valuable protection up the to the full contract value for structural defects, for 2, 6, or 10 years from the date of building work completion.

You can find cover for just about any project, from roofing works and refurbishments to loft conversions and extensions.

Unlike other providers, FMB Insurance covers it all in one policy – ensuring every aspect of the project is protected.

*This policy is administered by FMB Insurance, which is authorised and regulated by the Financial Conduct Authority.


FMB Building Work Guarantee explained

Issues such as damp or a leaking roof can take years to appear. FMB Building Work Guarantee offers protection for up to a decade after the work has finished and pays out reasonable cost of rectifying defects in the guaranteed work, covering the cost of everything that needs to be fixed if the builder has ceased trading.

Our policies: 

  • Protect homeowners for up to a decade
  • Insure up to the full contract price
  • Cover all aspects of your build

Pay less as an FMB member

FMB Building Work Guarantees are available to all builders and their clients alike, but if you’re an FMB member, you’ll be able to access preferential prices, because our strict membership vetting and inspection process ensures you can offer a high standard of work.

Not a member yet? If you’ve been trading for 12 months or more, it could be time to join. Take a look at the benefits of FMB membership and get in touch to start your application today.

Further savings for TrustMark registered builders

If your business is registered with TrustMark, you are required to have an insurance backed guarantee in place for all of your contracts.

Due to the high quality of service you provide, we’ve made sure you’ll be able to access our best prices, saving more on top of the FMB member rate.  

Our 2-year policy complies with the Framework Operating requirements that you need to have in place to be registered with the TrustMark scheme.

How to join TrustMark: Builders can join TrustMark through licenced scheme providers, like the FMB. Find out more about registering with TrustMark on the FMB website.

What does it cover? 

Unlike other guarantees with low cover limits, FMB’s Building Work Guarantee will cover the full contract price. If a defect is discovered in the insured works after the contractor has ceased trading, and it falls under the terms of the original contractor’s written guarantee and the terms of the Policy of Insurance, then the BWG would meet the reasonable cost of rectifying the defects up to a limit of the original contract price.

Reasons why builders should offer a building work guarantee:

Show you offer a quality service

By providing an BWG to your clients, you’ll build a stronger, more robust aftersales package for consumers, building trust. It can also provide peace of mind to your clients for years to come, as they’ll have the assurance that your written guarantee will be honoured if circumstances change - changes that may not have been considered when securing the job, such as:

  • Unexpected financial changes
  • Retirement
  • Illness

Stand out from the crowd

FMB’s building Work Guarantee is the only insurance product on the market that covers the whole project in one policy. With other Insurance Backed Guarantees, you may to insure different elements of the project separately – leaving gaps in what’s covered and what’s not. With our policy, you can offer clients simple-to-understand protection that covers all of the work in your contract.

What type of works can be covered? 

FMB Building Work Guarantee is available for a wide range of home improvement projects, including:  

  • General Building 
  • Extensions
  • Porches
  • Loft Conversions
  • Piling / Underpinning 
  • Roofing
  • Kitchens 
  • Bathrooms 
  • Conservatories
  • Local Authority Grant Works

Whatever changes your client wants to make to their property, they can benefit from full protection on their investment, years after completion. 

Get a quote for your next job

Contact the FMB Insurance team on 01353 652760 to run through a quote, email [email protected] or request a quote online.


What length of cover do you offer?

FMB Building Work Guarantee is available as a 2, 6 or 10 year policy, which will run from the date of completion of works.


What does cease to trade mean?

Ceased Trading means ceasing to trade by reason of Liquidation, Receivership, Administration, Strike-Off or Dissolution in respect of a Limited Company, Bankruptcy, Retirement, total incapacity or death of the principal(s) in the case of a Sole Trader or Partnership, or any other reason where suitable proof can be exhibited to the Insurer to confirm that the Contractor is no longer trading in any shape or form.


Is this policy accepted by the NIHE?

Yes, the Northern Ireland Housing Executive accept our 2 year insurance backed guarantee for works they are funding. A full list of NIHE approved FMB member builders can be found here 


How much is the excess?

The excess for our FMB Building Work Guarantee is £50.


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