Housing Associations

We understand your commitment to quality, community, and long-term value. Let’s build together.

Mother holding Daughter Outside of Home

Protecting your scheme

At Checkmate, we understand the unique challenges faced by Housing Associations – and the importance of having local expertise you can rely on. With regionally based surveyors and dedicated account management, we provide personal, consistent support tailored to the specific needs of your communities.

Our rated structural warranty solutions offer complete peace of mind, protecting developments from insolvency risks, ensuring project continuity, and supporting social value delivery at every stage of construction. Whether you’re delivering new build, regeneration, or mixed-tenure schemes, our specialist team brings decades of hands-on regional experience across the social housing sector.

Arial view of a group of flats being built

Solutions built for housing associations

We provide end-to-end structural warranty solutions and risk management support for affordable, community, and mixed-tenure developments across the UK.

Our Expertise Covers:

Why we're trusted by housing providers

We provide end-to-end structural warranty solutions and risk management support for affordable, community, and mixed-tenure developments across the UK.

Ready to discuss your next housing scheme?

Speak to us to find out how Checkmate can help your organisation build confidence in every community

Our Products

Our products include:

1

Insolvency Cover

Protecting against contractor or developer insolvency to ensure project completion.

2

Developer Liability Period (DLP) Waiver

Reducing exposure during the post-completion period and safeguarding long-term resilience (subject to underwriting approval).

3

Latent Defects Insurance (LDI)

Backed by rated capacity, providing lasting confidence in every build.

4

Performance Bonds

Guaranteeing contractual performance and financial security.

5

Insurance Backed Guarantees (IBGs)

Protecting homeowners or Housing Associations if a contractor becomes insolvent and cannot fulfil their guarantee obligations.

6

Advance Payment Bonds

Safeguarding upfront payments and reducing financial risk for Housing Associations.

7

Road and Sewer Bonds

Ensuring compliance and financial security for works requiring adoption by local authorities.

Meet Our Team

Our dedicated Housing Association specialists work directly with clients to deliver practical assurance and responsive support throughout each project.

Additional regional representatives will join the team at a later date.

News and insights

14 August 2026
New Build Warranty In the UK: What It Covers, How Long It Lasts, and Why Lenders Need It
Struggling to get an advance for a new construction project from your mortgage lender? Most lenders in the UK require a recognised new build warranty as a condition of lending, and without one you could be refused a mortgage. Without...
14 August 2026
What Is Unoccupied Property Insurance? A Guide for Landlords, Developers and Property Owners
Most insurance policies stop covering a property once it’s stood empty for 30 to 60 days. If your property is between tenants, sale and completion, awaiting probate, or paused between phases of a development, your existing...
13 August 2026
Collateral Warranty vs Construction Surety Explained
If you’ve been shopping for insurance, you may have come across both terms: collateral warranty and construction surety. While both are important, they serve different purposes.  Collateral warranties protect funders, tenants...
27 July 2026
Checkmate Proudly Supports Project Ireland and Check In On A Mate
We are proud to announce that Checkmate is a supporter of Check In On A Mate and Project Ireland Run, an initiative to raise funds and awareness for mental health. Mental health awareness and support remain one of the most...
24 July 2026
Professional Indemnity Insurance in Construction
Construction projects often involve more than physical work on site. Designs, specifications, calculations, technical advice and project-management decisions can all affect how a project progresses and performs. Where a business...
21 July 2026
Construction Bonds Explained
Construction contracts often require additional financial protection before work can begin, payments can be released or infrastructure can be adopted. This protection may be provided through a construction surety bond. However,...
17 July 2026
5 Common Construction Risks That Could Derail Your Project (And How Contractors All Risks Insurance Can Help)
Contractors All Risks Insurance can help protect construction projects against many of the unexpected events that cause damage, disruption and additional costs. From severe weather and theft to accidental damage and third-party...
16 July 2026
Why Insurance Backed Guarantees Matter More Than Ever in Today's Construction Market
What is an Insurance Backed Guarantee and why should contractors offer one? When customers invest in construction or home improvement works, they’re not just buying a product or service – they’re investing...
07 July 2026
What A 10 Year Structural Warranty Covers & What it Doesn't in 2026
What Does a 10-Year Structural Warranty Actually Cover? The short answer is the structural integrity of the building — but the detail matters more than the headline. Most buyers and developers assume a 10 year structural...
10 June 2026
Construction Insurance: A Complete Guide for Contractors and Developers
What is Construction Insurance? Construction insurance is a collection of different kinds of policies that typically protect the works in progress, the people involved, the design responsibility, and the property that’s...
26 January 2026
What Insolvency Cover Really Means for Social Housing Projects
Contractor insolvency is one of the most significant — and often underestimated — risks facing social housing delivery. With long construction programmes, complex supply chains, and increasing financial pressure across the...
17 December 2025
Building Safety Act: Ultimate Guide for New-Build Social Housing
The landscape of residential development has changed.With the introduction of the Building Safety Act, Housing Associations are now operating in a delivery environment where accountability is clearer, scrutiny is higher,...
15 October 2025
The Importance of RICS Surveyors in Construction Projects
Why Choosing the Right Surveyor Matters Buying or investing in property is one of the biggest financial commitments most people make. That’s why expert advice is crucial. Enter the RICS surveyor – a property professional...
20 June 2025
Performance Bonds: What They Are, What They Cost, and How To Get One
When you’re managing a construction project, there’s already enough complexity—finances, timelines, planning, and compliance. So when a lender, client, or local authority asks for a performance bond, what exactly...
11 June 2025
UK Planning Delays: Turn Idle Time into Risk-Ready Opportunity
The UK construction industry continues to feel the strain of planning delays. With local authority backlogs, changing regulations, and extended consultation periods, developers across the country are finding themselves stuck...
05 June 2025
Performance Bonds and IBGs: Fast, Reliable Protection for Today’s Projects
In today’s fast-moving construction environment, risk management isn’t just a formality—it’s a necessity. With tighter margins, growing regulation, and high stakeholder expectations, contractors and developers...
28 May 2025
Why Major Developers Choose LDI Cover They Can Trust
In today’s construction landscape, confidence is currency. For developers navigating complex builds and tight timelines, protecting long-term investment is critical—not just for themselves, but for their funders and...
17 April 2025
Top 5 Things to Check Before Moving Into a New Home
Moving into a new home is an exciting milestone—but before settling in, it’s important to ensure the property is safe, functional, and ready for comfortable living. Taking the time to inspect a few key areas can help you...
12 March 2025
Navigating 2025’s Building Regulations: Are You FHS and ‘Building Safety Act’ Ready?
The regulatory landscape is changing rapidly. With 2025 bringing new regulations focused on sustainability, safety and planning, developers face both fresh challenges and exciting opportunities. The move towards greener,...
05 November 2024
Skill Shortages in Construction: Labour’s Strategy to Boost Apprenticeships and Training
The Labour government’s budget has introduced a strong focus on reducing skill shortages in the construction industry through increased funding for apprenticeships and vocational training. As construction shifts towards modern,...
04 November 2024
Building Green: Labour's Investment in Sustainable Infrastructure
Labour’s recent budget emphasizes a shift toward sustainable infrastructure, creating new opportunities and challenges for the UK construction industry. With funding allocated to green projects, such as renewable energy,...
04 November 2024
A New Era for Affordable Housing: Labour’s Pledge to Tackle the Housing Crisis
The Labour government’s latest budget sets the stage for transformative changes in the UK housing market, especially with its renewed commitment to affordable housing. As home prices and living costs soar, Labour’s...
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