When you’re managing a new development, the list of responsibilities can feel endless — from securing land and funding, to coordinating design teams, planning permissions and construction. Amid all that, arranging latent defects cover (or structural warranty insurance) can easily feel like just another box to tick. But choosing the right cover — and the right provider — is about far more than compliance. It’s about protecting your investment, your buyers, and your reputation

The UK’s manufacturing sector is evolving at pace. Once defined by heavy industry and long production cycles, it’s now driven by innovation, sustainability, and technology — but also challenged by complex risks that demand greater resilience and smarter risk management. Despite ongoing pressures — from high energy costs and supply chain disruption to skills shortages and regulation — UK manufacturing remains a cornerstone of the economy. Contributing more than £217 billion  t

Automatic sprinkler systems are one of the most reliable and effective forms of fire protection available. When correctly designed, installed and maintained, they can dramatically reduce the risk of loss and damage to property. But what happens when a system needs to be taken out of service — even temporarily? A sprinkler system that is shut down or inoperative, whether partially or fully, is considered impaired . During this time, fire protection is reduced, and the risk to

Property is often one of a business’s largest assets. Whether manufacturing premises, a logistics hub, warehousing, or a commercial office building, the protection afforded by insurance is only as strong as the accuracy of the declared values. At Vista NW, we emphasise that a robust cover begins with a sound basis: a reliable reinstatement cost assessment (RCA).According to Zurich, the industry faces a significant underinsurance issue — more than 40% of claims are impacted by

Overview The 2024 Joint Code of Practice (JCoP) for the Escape of Water provides a framework to mitigate water damage risks on construction sites. Developed by insurers, construction professionals, and risk managers, it addresses growing water-related incidents that disrupt projects and cause financial losses. Why It’s Essential Financial Impact : Water damage causes costly delays, repairs, and reputational harm. Risk Mitigation : The JCoP outlines preventative strategies for

Due to the adoption of the Building Safety Act, it now means there are greater legal duties on Architects, Engineers, and Project Managers in relation to building design, safety processes, compliance checks, product selection and post completion safety management. There are increased competency expectations and severe penalties for non-compliance by individuals and firms. Key obligations are as follows: A new safety case regime Developers must create and maintain a safety cas

At Vista NW, we regularly arrange cover for a variety of specialist construction risks. These include Surety Bonds, Legal Indemnities and Owner Controlled Insurance’s.  We are committed to meeting the many challenges development projects face, at every stage of the process. Today, we are looking at a type of insurance that developers and funders must consider, very early in their risk management strategy.  Rights of Light insurance. There are financial and health benefits to

At Vista NW, we are an independent Insurance Brokerage with a strong presence in the construction sector.  We are the only insurance broker to be members of Build Offsite (BOS) and The Modular and Portable Building Association (MPBA), which demonstrates our commitment to this sector.   We look after a wide range of modular clients and their projects.  We are deeply passionate about modular construction and the potential it brings to the UK.  The cost, safety, and quality impr

Latent Defect Insurance (LDI) Developers automatically think to obtain a latent defect (LDI) or structural warranty insurance policy when building residential homes.  This is so a mortgage can be obtained by purchasers, due to the UK Finance requirement for a 10-year warranty to be in place on homes sold during this period. But what if you plan to build a commercial, build to rent or mixed-use project? Commercial projects There is no requirement for commercial properties to h

Biodiversity Net Gain (BNG)  is an approach to development and land management that aims to leave the natural environment in a measurably better state  than it was before. It is an increasingly important requirement in planning applications  under UK legislation and policies.   Key Principles of Biodiversity Net Gain: Enhancing biodiversity  as a core outcome. Measurable gains, calculated using the Biodiversity Metric . The mitigation hierarchy : Avoid > Minimise > Restore >

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Business UK Importer/wholesaler/retailer £4M Turnover 60 Employees Circumstances Overnight Storm damage caused water ingress inside...