All TrustMark Registered Firms are required to give their customers the option to purchase insurance protection.

The insurance will cover you against certain risks if the firm were to cease trading for any reason.  The insurances on offer may vary slightly from firm to firm, depending on their Scheme Operator – but whichever insurance is on offer, TrustMark standards dictate that it must cover the following:

Prepayments 

Deposits

Work in progress 

2 year post completion of workmanship as a minimum

Rectification of defects or major damage 

Non-compliance with Building Regulations 

The insurance cover must be designed for individual, private homeowners and covers work valued between £500 and £50,000. This summarises the basic minimum requirements TrustMark specifies, rather than being a comprehensive cover. In reality, many Registered Firms will be able to offer you a more comprehensive cover, so ensure you request full details from their insurance provider.