Ark launches
Commercial Latent
Defects Insurance
A new specialist facility offering brokers broad commercial property appetite, long-term protection and fast access to experienced latent defects underwriters.
Ark Insurance Group has launched a new Commercial Latent Defects Insurance facility for its broker panel.
Developed around a broad and flexible commercial premises appetite, the facility gives brokers access to specialist latent defects cover across an extensive range of commercial property types.
From standard offices and retail premises through to industrial, care, hospitality, education and specialist buildings, Ark is able to explore solutions across a diverse mix of commercial development risks.
The proposition combines strong insurer security, up to 12 years of cover and rapid quote turnaround with specialist underwriting support backed by more than 25 years of LDI experience.
From offices and shops to specialist buildings.
Where premises are being developed for commercial use, Ark can explore latent defects solutions across a broad range of occupancies and development types.
Offices & retail
Commercial office developments, shops and mixed commercial premises.
Industrial & warehousing
Industrial units, logistics facilities, distribution centres and warehouses.
Hotels & leisure
Hospitality developments, hotels and leisure premises.
Protection beyond the building's completion.
The facility is designed to address latent defects arising from construction, workmanship, design or materials, depending on the nature of the insured development.
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New builds
Cover for applicable defects in design, workmanship or materials.
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Conversions
Defects in new works causing damage to new and existing structures.
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Loss of rent
Available as an optional extension for periods of up to 36 months.
Built for flexibility, speed and confidence.
The facility combines specialist underwriting knowledge with features designed around the realities of commercial construction risk.
Insurer Security
AA ratedStrong insurer security, as described at the facility's launch.
Period of Cover
Up to 12 yearsLong-term protection following completion of eligible commercial developments.
Quote Turnaround
Same or next dayTargeted quote turnaround where possible, helping brokers keep projects moving.
Water Ingress
IncludedWater ingress cover applies following the first 12 months, subject to policy terms.
Loss of Rent
Up to 36 monthsOptional extension for qualifying commercial investment property.
Defects Liability Period
None requiredNo contractor defects liability period is required under the facility.
An important distinction during the build.
The facility includes a feature designed to respond where damage occurs during the construction period.
Reinspection costs following damage during the build can be covered, helping address an exposure that is often overlooked when considering latent defects protection.
Protection designed to support projects where insured damage requires elements of the construction to be inspected again.
Specialist expertise. Not a one-size-fits-all approach.
Commercial developments vary enormously in size, construction, occupancy and complexity.
Ark's facility is supported by specialist underwriters with more than 25 years of Latent Defects Insurance experience, giving brokers direct access to expertise where a risk requires deeper consideration.
Commercial LDI risks of almost any size can be considered, with additional access through Ark's insurer network for larger residential LDI risks exceeding £15 million in build cost.
From smaller commercial developments to major schemes, Ark is prepared to consider the opportunity.
Send us the opportunity.
Getting a Commercial LDI risk in front of Ark's underwriting team is designed to be straightforward.
Prepare the risk information
Complete the relevant application information or send the available project details.
Send your enquiry
Email the submission to warranty@arkinsurance.co.uk.
Underwriting review
Ark's specialist team will review the opportunity and respond, targeting same-day or next-day quotation where possible.
Have a Commercial LDI opportunity?
Speak with Ark's specialist warranty underwriting team about the project, the development type and the cover required.
Cover is subject to underwriting criteria, policy terms, conditions, limits and exclusions. Product information reflects the Commercial Latent Defects Insurance facility as announced on 11 May 2026. Brokers should refer to the latest product documentation and speak with Ark underwriting before advising or arranging cover.