Insurance Backed Guarantees (IBGs) protect your clients if you cease trading during the guarantee period, ensuring your workmanship promise remains fully insured for up to 25 years. CWG arranges insurance backed guarantees for UK builders, developers and specialist contractors, and our policies are widely accepted by structural warranty providers, lenders and funding partners.
IBGs are frequently required by structural warranty providers and lenders as part of project approval or funding.
Looking for a fast quotation? Use our IBG quotation form to get started, or browse our trade-specific IBG pages via the Product Lines dropdown
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Trust is the foundation of every successful construction project — clients need confidence that your work will be completed to the promised standard and that any defects will be put right if they arise later. Insurance Backed Guarantees (IBGs) reinforce that confidence by protecting your workmanship guarantee if you cease trading, giving homeowners, developers, lenders and structural warranty providers long-term reassurance. By offering an IBG, you demonstrate professionalism, reduce perceived risk, and stand out in competitive tenders where insured guarantees are increasingly expected.
With an Insurance Backed Guarantee (IBG) from CWG, your client’s guarantee stays protected even if your business ceases trading during the guarantee period. The IBG insures the workmanship promise you’ve made, giving homeowners, developers and funders long-term confidence that any valid defects will still be covered. By offering an IBG you reduce perceived risk, strengthen your professional reputation, and reassure clients that their investment is safeguarded for the full term of the guarantee.
Retrospective Insurance Backed Guarantees provide insured protection for works that have already been completed where no IBG was arranged at the time of installation. They are most commonly required when a property is being sold, refinanced, or assessed for a structural warranty or mortgage — especially if a surveyor, solicitor, lender or warranty provider asks for proof that the original workmanship guarantee is still valid.
A retrospective IBG allows the remaining term of the contractor’s guarantee to be insured even if the contractor has ceased trading, giving buyers, homeowners and funders confidence that any valid defects will still be covered. Eligibility depends on the type of work, the age and condition of the installation, and the availability of supporting documents such as completion records, guarantee certificates, photos, invoices or inspection reports. If you need a retrospective IBG to satisfy due diligence or unlock funding, CWG can assess your project quickly and advise on the most suitable route to cover.
Structural warranty providers, mortgage lenders and development funders increasingly require an Insurance Backed Guarantee (IBG) before they will approve a project, release funds, or sign off a warranty. This is because an IBG protects the contractor’s workmanship guarantee if they cease trading, ensuring the work remains covered for the full guarantee term. For higher-risk or specialist elements — such as waterproofing, roofing, cladding, damp proofing, groundworks, piling, glazing or remedial structural works — an insured guarantee is often viewed as essential risk control.
Without an IBG in place, warranty providers and lenders may treat the installation as uninsured or non-compliant, which can delay approvals, trigger additional due-diligence requests, or even prevent a sale or refinance from progressing. CWG arranges IBGs that align with common warranty and lender requirements, helping contractors and developers demonstrate long-term protection for clients and funding partners. If an IBG is needed for tender submission, structural warranty acceptance or finance release, our team can confirm eligibility and arrange cover quickly with minimal disruption to your build programme.
Every construction project comes with its own scope, risks and guarantee requirements, so your Insurance Backed Guarantee (IBG) should be matched to the work you deliver. We tailor IBGs to reflect your specific trade, system type and guarantee term, ensuring your client receives meaningful protection and your workmanship warranty remains fully supported throughout the policy period.
At CWG, we help UK developers, builders and specialist contractors put a robust safety net around their projects. Our insurance backed guarantees are designed to satisfy client expectations and meet the requirements of structural warranty providers, lenders and funding partners where appropriate. The result is a stronger commercial offering, reduced perceived risk, and greater confidence when tendering for higher-value work.
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Many of our products supplied are backed by ‘A’ Rated Insurers
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More than just warranties
We arrange cover for ALL construction related insurances