Construction All-Risk & Latent Defect
CAR, employer's liability, latent defects and surety.
End-to-end construction cover from groundworks to 12-year LDI — bundled where it makes commercial sense.
Ticket size
£2K – £500K premium
Turnaround
Indicative in 5 days
Capital partners
8+
Composes with
2 sectors
Key highlights
What sets this apart.
CAR + EL bundle
10/12yr LDI
Performance bonds
The problem
Why this capability exists.
Construction cover bought scheme-by-scheme is expensive and inconsistent across portfolios.
Our approach
- 01
Programme-level CAR for repeat developers.
- 02
LDI placed at design stage for premium efficiency.
- 03
Surety relationships for performance bonds.
Outcomes you can expect
- Programme CAR for 14 developers
- Median LDI saving 19% on programme deals
- Bonding facilities to £25M
Typical structures
How construction all-risk & latent defect deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Broker-Placed
Open-market placement across Lloyd's and company markets.
Programme / Captive
Long-term programme structures with retained risk layers.
Parametric / Specialty
Trigger-based cover for non-standard or emerging risks.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Who this fits
Audience fit, scored from the brief.
Property developers & investors
100%
Bridging, development finance, BTL portfolios, refurb-to-let.
SME founders & CFOs
0%
Working capital, growth funding, asset finance, invoice finance.
Brokers & intermediaries
0%
Lender intel, criteria shifts, packaging playbooks.
HNW & family offices
0%
Structured credit, complex cases, cross-border, tax-efficient capital.
Composes well with
Stack ideas our desk has placed before.
Unregulated & Commercial Bridging
Investment, refurb and exit bridges from £100K – £25M.
Development Exit Finance
Refinance practical-completion debt while units sell.
Ground-Up Development Finance
Senior debt for ground-up residential and mixed-use schemes.
Construction Financing
Drawdown-aligned facilities indexed to QS sign-off.
Short enquiry
Tell us about your construction all-risk & latent defect requirement.
A specialist will respond within one business hour. No credit footprint.