You do the same work as the national chains, and you’re keener on price. So why do you still lose quotes to them? Usually it comes down to one word in the homeowner’s head: risk. Here’s how an Insurance Backed Guarantee can help.
The real reason you lose quotes to bigger firms
A homeowner picking a bathroom fitter is spending thousands and can’t easily judge the work.
So they fall back on what feels safe.
A national brand feels safe because they assume it’ll still be around if something goes wrong.
A smaller business can feel like a gamble — not because your work is worse, but because they’re scared of being left stranded.
That fear is what you’re really competing against. Beat the fear, and you have a higher chance of winning the work.
How an Insurance Backed Guarantee answers the fear
An Insurance Backed Guarantee underwrites your own company written guarantee*.
If your company ceases to trade during the term, a valid claim is covered by the insurance backed guarantee*.
In plain terms: the homeowner isn’t relying only on you still being in business. That’s exactly the reassurance they get from bigger installers, and now you can offer it too.
| What the homeowner fears | How the Insurance Backed Guarantee answers it * |
|---|---|
| “What if they go under and I’ve got a problem?” | Cover survives even if your company stops trading * |
| “A big firm feels safer” | A bigger firm can also cease trading, and if you provide your customers with an insurance backed guarantee, and they don’t, your quote is the safer option. |
| “How do I know the guarantee is worth anything?” | It’s also underwritten by an insurance backed guarantee – two layers of protection. |
* Subject to the terms and conditions of the policy.
How to use insurance backed guarantees in your quote
Your not an insurance intermediary, which means you cannot sell insurance.
Keep it simple and build it into your price.
You’re not selling insurance. It isn’t a separate line, it’s cover you’re including for your customers in your quote.
A line like this does the job: “This quote includes an Insurance Backed Guarantee.” Then, when you’re sitting at their kitchen table, you can say it out loud: “My company written guarantee is backed by an Insurance Backed Guarantee.”
Insurance backed guarantees that can also build your reputation
Every insurance backed guarantee you register with HomePro will work for you by automatically building your reviews behind the scenes, as part of your insurance backed guarantee process. And, any reviews you get will load on your own profile page without you needing to do anything.
So one registration does two jobs.
It protects your customers. And it builds your reputation, helping you win more work.
Ready to compete with the big bathroom firms on a level footing?
HomePro gives independent bathroom fitters Insurance Backed Guarantees, a recognised badge, and a homeowner-reviewed profile that helps win work. Call 0800 131 0500 (Mon–Fri, 9am–5pm) or join here.
Frequently asked questions
Will an Insurance Backed Guarantee really help me win more bathroom work?
It removes one of the main reasons homeowners pick a bigger firm over an independent: the fear of being left stranded. On a quote, that reassurance can often tip the decision your way.
Do I have to have one as a bathroom fitter?
No. It isn’t compulsory for bathrooms. This is about winning work, not meeting a rule (though TrustMark-registered businesses do have to provide financial protection).
Can I charge the homeowner for it?
Not as a separate line. You build it into your price and show it as included on the quote.
What does it actually cover?
Your workmanship and the materials you fitted, if your company ceases to trade during the term — subject to the terms and conditions of the policy.
Join UK installers who provide FCA-regulated Insurance Backed Guarantees with every job through HomePro. Call 0800 131 0500 or join the HomePro network today.
Disclaimer: This post is for general information only. It is not financial, legal or insurance advice. While we take care to make sure the information is accurate, scheme rules, legal requirements and third-party details can change without notice — always check the latest position with the relevant scheme or official body before acting on anything here. HomePro accepts no liability for any loss arising from errors or omissions in, or reliance on, the information in this article. Insurance Backed Guarantees are subject to the terms, conditions and limitations of the individual policy.
