BuildROI – For Insurers and Warranty Providers

For Insurers and Warranty Providers

Offsite and hybrid construction raise questions about responsibility and evidence. BuildROI would capture independent, verified evidence at every milestone, and the pilot would test whether that helps you underwrite and handle claims with more confidence.
Current Position: BuildROI is at proposal stage: no live projects have been completed, and no insurer has endorsed it. A government-funded pilot is proposed to test it properly. This page describes what the pilot would test, and we would like insurers to tell us whether we have it right.

The Questions MMC Raises

Insurance specialists have set out the concerns insurers raise about MMC:

  • Less track record and claims data on long-term performance, which makes the risk harder to price
  • Unclear allocation of risk between the main contractor and the manufacturer, with fabrication, transport and assembly complicating claims
  • Quality that is harder to monitor when parts are made in different places, and the risk of the same defect repeating across a project

The same source expects these concerns to ease as more performance data becomes available. Producing that data is what BuildROI is built to do.

Source: Gallagher Specialty, Modern Methods of Construction: Innovation Meets Insurance Caution (June 2025).

Why it matters: where responsibility and evidence are unclear, it is harder to be confident about the risk. We would like to hear from insurers whether we have understood this correctly.

How BuildROI Would Help

BuildROI would bring independent governance across the whole delivery pathway, from factory to final installation:

  • Verified milestones at factory, transport, craning, installation and commissioning
  • Evidence-based sign-off using photos, video, measurements and checklists, taken by an independent Project Manager and dated and stamped
  • One accountable team from factory to installation, with a documented trail
  • Earlier defect detection in the factory, where fixes should be cheaper and faster
  • Escrow-controlled payments, released only after independent verification

The same verified evidence applies to traditional home improvement work too, so the record is consistent whichever way a job is built.

BuildROI doesn't decide who is liable. That stays with the contract and the policy. What BuildROI adds is a clear record of what happened, and when.

What the Pilot Would Tell Insurers

Defects

Are fewer found, found earlier, and easier to attribute?

Disputes

Do disputes between manufacturers and installers fall when the evidence is captured at the time?

Evidence

Is it complete and consistent enough to rely on when underwriting or handling a claim?

Data

Would project-level data on factory QA, installation accuracy, defect rates, timelines and cost predictability be useful to you?

An independent evaluator, chosen by government, would assess the answers. BuildROI wouldn't.

Working With BuildROI

We aren't asking insurers for special terms, or to endorse anything. Cover and pricing are for insurers to decide. We would like three things:

  • Your view on what evidence you would need to see before it changed how you assess an MMC or hybrid project
  • A look at samples of the pilot's evidence, and your feedback on whether it is good enough
  • If you are willing, a comparison of verified jobs with your own claims data, so the evidence can be tested against real outcomes

Get in touch: contact jim@buildroi.co.uk to discuss how BuildROI's evidence could support your approach to MMC.

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