Independent kitchen fitter: stand out with an Insurance Backed Guarantee

A homeowner spending money on a new kitchen wants to know their money is safe with an independent installer, not just a national chain. An Insurance Backed Guarantee gives you that. It underwrites your own company written guarantee, so if your company ceases trading, subject to the policy terms and conditions, the customer’s cover still stands. Include it in every quote and you match the reassurance a big showroom offers — while keeping your edge on price and personal service.

Independent bathroom fitter: how an Insurance Backed Guarantee could help you win work

As a bathroom fitter, your biggest hurdle generally isn’t skill. It’s convincing a homeowner you’re as safe a choice as the big showroom down the road. That’s where an Insurance Backed Guarantee can help. An insurance backed guarantee underwrites your own company written guarantee, so if your company ceases trading, subject to the policy terms, the customer’s cover still stands. Include it in every quote, and you answer the fear up front.

Do roofers need an Insurance Backed Guarantee?

It depends how you work. Insurance Backed Guarantees for roofing aren’t compulsory like double glazing. But if you self-certify your work through CompetentRoofer (the NFRC Competent Person Scheme), you must give the homeowner a 10-year Insurance Backed Guarantee on roof refurbishment jobs valued under £50,000. Even where it isn’t required, most roofers use one because it wins bigger and better work. Subject to the terms and conditions of the policy.

Do renewable installers need to provide Insurance Backed Guarantees?

If you’re MCS certified, yes — you need cover on every domestic job you certify, whoever pays for it. If you’re Flexi-Orb certified, same answer. If you hold no certification at all, no — but you can’t do grant work, and your customer can’t get paid for the electricity they export.

How Insurance Backed Guarantees can help you win contracts

Quick answer: Bigger jobs go to builders who look like a safe pair of hands. An Insurance Backed Guarantee is one of the clearest ways to prove it: it backs your written workmanship guarantee so the client is protected even if your company stops trading. Paired with a recognised accreditation, it gets a small firm […]

Insurance Backed Guarantee vs structural warranty: what you need to know

An Insurance Backed Guarantee backs your own company written ceases trading as per the policy wordings. A structural warranty covers the building’s structure — foundations, walls, roof structure — for around 10 to 12 years, whether you’re still trading or not. One protects your promise. The other protects the building. On a bigger extension, a homeowner may want both. Subject to the terms and conditions of the policy.

Do extension builders need an Insurance Backed Guarantee?

Quick answer: Usually not by law — builders aren’t forced to provide an Insurance Backed Guarantee the way a glazier is. But it’s often expected: many homeowners, trade schemes and lenders want to see one. It backs your own company written guarantee, so if your company ceases trading, the homeowner’s cover still stands. Subject to the terms and conditions of the policy. It is not the same as a structural warranty. The two do different jobs, and a bigger project may need both.

Do kitchen installers need an Insurance Backed Guarantee?

A kitchen fitter isn’t required by law to provide an Insurance Backed Guarantee. It’s not compulsory like it is in double glazing. But many fitters provide them anyway because it reassures homeowners who are spending a lot on a new kitchen. There is a caveat, if you’re TrustMark-registered, you must provide a minimum two-year financial protection, and an Insurance Backed Guarantee is how that’s usually met.

Do bathroom installers need to provide Insurance Backed Guarantees?

There’s no requirement forcing a bathroom fitter to provide an Insurance Backed Guarantee. It isn’t compulsory the way it is in double glazing. But most fitters who choose to offer one, do it overcome the major risk worry their homeowners have when hiring a tradesperson. It tells a nervous homeowner they’re protected. If you’re TrustMark-registered, you must provide a minimum two-year financial protection, and an Insurance Backed Guarantee is how that’s usually met.

How much does a roofing Insurance Backed Guarantee cost?

A roofing Insurance Backed Guarantee costs a UK installer a one-off premium per installation — not a yearly fee. For a typical re-roof of around £8,000, the premium averages around £48, including Insurance Premium Tax. What you pay depends on a number of factors such as; the size of the installation, how long the guarantee runs, your track record as a business, the underwriter and how many installations you put through.