Tiny Home, Modular and Offsite Construction

Builtin covers stock on hand, the construction and transit of tiny homes and other offsite built residential dwellings under a single policy.

Cover Tailored for Offsite Construction

One of the biggest challenges for businesses involved in the construction of tiny homes, cabins, relocatable homes, modular dwellings or using other offsite, modern methods of construction is making sure there are no gaps in their insurance coverage.

Depending on the particular business model, multiple policies are usually required to cover stock, the build process both in the factory or yard and at the customer’s site, and delivery of the completed units. If you’re not careful gaps in coverage can include:

  • materials not allocated to a project or purchased prior to construction commencing
  • inadequate provision for cost escalation, inflation, professional fees and demolition in the event of a claim
  • no cover for preparation and finishing works at the customer’s site
  • transit of completed buildings
  • damage or theft occurring between completion and collection by the transport operator
  • damage occurring between the delivery of the dwelling to site and its connection to foundations

Builtin’s Tiny Home/Offsite Construction Insurance policy has been created to provide cover across the complete build lifecycle. It includes:

  • Loss or damage to pre-purchased materials & stock and intended for incorporation into each build
  • Loss or damage during the construction phase, including at both the factory or yard and at the customer’s site
  • Damage during the transport of completed dwellings

A single annually renewable policy makes the administration of cover simple and cost effective for businesses that build multiple modular, tiny, relocatable or other dwellings constructed offsite. 

It ensures that potential gaps in cover are closed and provides peace of mind to businesses utilising offsite methods of construction.

About this Cover

Builtin has developed this policy in conjunction with NZI, its long term partner for construction risks. The teams at Builtin & NZI have been working together for more than a decade and in that time have insured construction worth more than $3bn across more than 6,000 projects nationwide.

As the offsite/tiny home sector has grown we have increasingly been asked to advise businesses operating within it about their particular risks. This policy has been developed in response to that need.

Our solution is simple, take a best in class annual contract works policy and enhance it to close these gaps and cover the additional areas of risk faced by offsite construction firms.

Modular Building

Speak to an Adviser:

0800 284 584

Further Information

What's Covered

  • Annual contract works insurance for fire, theft, accidental damage, natural disaster, storm & flood
  • 30 days Completion Cover
  • Allowances for inflation, cost escalation and variations, demolition, professional fees, principal supplied materials and materials stored offsite and in transit
  • Cover for materials purchased in advance for incorporation into the construction
  • Loss or damage at both the factory/yard and customer’s site
  • Cover during the transit of completed buildings

What's Not Covered

  • Projects that exceed the agreed maximum contract value
  • Projects that exceed the agreed maximum construction period
  • Transit distances further than 250km unless specifically agreed
  • Unapproved transport operators
  • Transit cover for buildings valued over $250k unless agreed
  • Faulty workmanship and materials
  • Plant & equipment

How Much Does It Cost?

The cost of cover varies greatly, as it depends on your expected annual turnover, location, maximum construction period and the coverage extensions that you require. The cost also includes levies that we’re required to collect on behalf of the government, such as the Fire & Emergency Levy.

However, the premium is a small price to pay compared to the financial cost of a significant claim for loss or damage, particularly when there’s the potential for gaps in coverage if your insurance is not properly arranged as a tiny home/offsite builder.


Terms & Conditions

The policy is made up of an Annual Contract Works Policy and the Offsite/Tiny Home Coverage Endorsement. Any other specific endorsements will be individually noted on your policy schedule. 

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