Insurance Gaps in Modular: What Your Policy Doesn't Cover

Does your insurance actually cover modular construction? Most developers discover gaps in their coverage too late—after modules are in transit or damaged during installation. Understanding where coverage ends is essential before you sign contracts. In this episode of Built Different, we map the insurance gaps in modular construction projects. From builder's risk exclusions for off-site fabrication to transit coverage holes and installation handoff disputes, the fragmented nature of modular creates exposure that traditional construction doesn't have. Topics covered: Builder's risk policy exclusions for off-site factory fabrication Transit coverage gaps: collision, weather, vibration, and theft exposure Installation coverage handoffs: factory gate vs. site delivery vs. module set Professional liability fragmentation across architects and factory engineers Working with brokers who understand modular construction insurance Who this episode is for: Developers managing construction risk, insurance brokers serving the construction industry, risk managers at modular factories, and general contractors coordinating modular projects. Key takeaway: Map every phase of production, transport, and installation. Verify coverage exists for each phase with no gaps. It's tedious work, but it beats discovering a hole when you have a claim. Built Different is produced by Spring Street Management Group. New episodes on modular construction risk, off-site building insurance, and volumetric construction drop every weekday at 6 AM Pacific.]]>