Building a property is one of life’s biggest investments. But even the best planning and construction can face unforeseen defects, which can be costly—and sometimes dangerous. That’s where Decennial Liability Insurance comes in. It offers long-term protection against structural defects in key load-bearing elements like foundations, walls, beams, and slabs, giving you peace of mind for years to come.
Unlike standard property insurance, which covers damages from fire, natural disasters, or other events, Decennial Liability Insurance protects you specifically against material damage caused by inherent structural defects—even if no other insured event occurs. Simply having evidence of damage is enough to trigger coverage, ensuring your investment is safeguarded when it matters most.
What does Decennial Liability Insurance cover?
- Structural Collapse or Threat of Collapse: Covers the costs of reconstruction, repair, or preventive measures to avoid collapse.
- Material Damage to Non-Structural Elements: Includes internal finishes, partitions, electrical and plumbing installations, and other fittings affected by a structural defect.
Which properties are eligible ?
- Residential Buildings: Houses, semi-detached or terraced homes, multi-storey apartments
- Commercial Buildings: Offices, shops, supermarkets, hotels, schools, gyms, cinemas, theatres
Key benefits of Decennial Liability Insurance :
- 10-Year Coverage: Protection starts from practical completion, covering the period when defects are most likely to appear.
- Transferable Rights: Insurance protection moves with property ownership.
- Enhanced Property Value: Adds security and confidence for buyers.
- Mitigates Contractor Risks: Reduces exposure to contractor insolvency or construction failures.
At MUA, we combine strong security, technical expertise, and years of underwriting experience to provide solutions tailored to every project. We work closely with Technical Inspection Services to ensure your design and construction meet the highest standards, helping you secure coverage confidently.
With our client-focused approach and deep local knowledge, MUA is a trusted leader in Decennial Liability Insurance.
