Insurance-Backed Guarantee
The Facts
What is a genuine IBG?
Under the Code for Construction Product Information (CCPI), Clause 9, a guarantee must be transparent about what is covered, what is excluded, and what is required to maintain it. It must clearly state who offers the guarantee, how it is underwritten, and whether cover transfers to a new owner. A genuine Insurance Backed Guarantee (IBG) is a project-specific insurance policy issued by an insurer, not a manufacturer’s Product Liability or Professional Indemnity insurance. Where guarantee funds sit on a company’s balance sheet, the scheme is company-backed and ceases in the event of insolvency.
The Langley IBG
The Langley IBG ring-fences premiums outside company control through an independently governed structure, ensuring full protection in the event of Langley or installer insolvency. It provides long-term cover for design failure, poor workmanship, and faulty materials, is issued directly to the building owner, and is fully transferable. The guarantee is independently regulated, Crystal Mark accredited for plain English, index-linked for long-term value, and provided without the need for a separate insurance premium.
| Manufacturer or supplier Guarantee | Insurance market guarantee | Langley IBG | |
|---|---|---|---|
| Is an IBG offered on as standard on every System? | No | No upon client request or for government funding | Yes |
| Coverage duration | Varies | Typically 20 years | Up to 30 years |
| Independently regulated? | No | Via insurer | Yes |
| Protected against company insolvency? | No | Yes | Yes |
| Can premiums be returned if no claims? | N/A | No | Yes |
| Does the IBG satisfy Plain English and been Crystal Mark requirements? | No | No | Yes |
| Is the premium held independently ? | No | No | Yes |
| Is the premium index-linked to the ONS construction output price index? | N/A | Varies | Yes |
| Do I pay a separate insurance premium? | Yes | Varies | Yes |
What to ask your contractor
Is the guarantee protected if the supplier or installer becomes insolvent?
Are premiums held independently, outside the company’s balance sheet?
Does the IBG cover design, workmanship, and materials – and is it transferable?
Is it independently regulated and written clearly in plain English?
FAQs
What guarantee do I receive with a Langley roofing system?
Every Langley system is supplied with a clearly defined 20, 25 or 30 year independent insurance backed guarantee, depending on the system specified for your project as a standard service.
What does the IBG cover?
The IBG covers the installed system in the event of a design failure, poor workmanship, a fault in the system or faulty materials, and remains valid even if the installing contractor or Langley were to cease trading.
What is an Insurance Backed Guarantee (IBG)?
An IBG is an independent insurance policy that ensures your system guarantee remains valid if the installing contractor or supplier ceases trading.
If Langley cease trading will the IBG still cover me?
Yes. The IBG ensures financial protection for the building owner even if Langley were to cease trading.
Do other roofing system providers offer this as a standard service?
No. Please see our IBG comparison table to compare the difference.
Who do I contact if I suspect a problem with my installation?
You contact us. The Langley Guarantee remains your primary guarantee. The IBG acts as a separate, independent layer of protection behind it.
When is the IBG issued?
The IBG Guarantee is issued directly to the building owner once the installation has been completed and all documents have been approved.
Will I need an IBG to access Government funding?
Yes, certain government funding schemes insist on an IBG providing financial protection. We have supported a number of clients to obtain financial protection under these schemes such as SHDF.