{"id":3368,"date":"2024-09-27T15:58:16","date_gmt":"2024-09-27T15:58:16","guid":{"rendered":"https:\/\/eirionrisk.azurewebsites.net\/?p=3368"},"modified":"2024-09-30T21:05:01","modified_gmt":"2024-09-30T21:05:01","slug":"builders-risk-issues-with-modular-construction-navigating-the-challenges-of-moisture-transportation-and-more","status":"publish","type":"post","link":"https:\/\/eirionrisk.azurewebsites.net\/?p=3368","title":{"rendered":"Builders Risk Issues with Modular Construction: Navigating the Challenges of Moisture, Transportation, and More"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3368\" class=\"elementor elementor-3368\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b4bb573 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b4bb573\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3dac6dff\" data-id=\"3dac6dff\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36653b83 elementor-widget__width-auto elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"36653b83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Builders Risk Issues with Modular Construction: Navigating the Challenges of Moisture, Transportation, and More<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-15b0c4d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15b0c4d7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23200f02\" data-id=\"23200f02\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6dfc2d58 elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6dfc2d58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d739be0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d739be0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5484aef7\" data-id=\"5484aef7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4844edb elementor-widget elementor-widget-post-info\" data-id=\"4844edb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-1bcd6be elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/eirionrisk.azurewebsites.net\/?m=20240927\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M12 192h424c6.6 0 12 5.4 12 12v260c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V204c0-6.6 5.4-12 12-12zm436-44v-36c0-26.5-21.5-48-48-48h-48V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H160V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H48C21.5 64 0 85.5 0 112v36c0 6.6 5.4 12 12 12h424c6.6 0 12-5.4 12-12z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>September 27, 2024<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-ad87928 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-clock\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm61.8-104.4l-84.9-61.7c-3.1-2.3-4.9-5.9-4.9-9.7V116c0-6.6 5.4-12 12-12h32c6.6 0 12 5.4 12 12v141.7l66.8 48.6c5.4 3.9 6.5 11.4 2.6 16.8L334.6 349c-3.9 5.3-11.4 6.5-16.8 2.6z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-time\">\n\t\t\t\t\t\t\t\t\t\t<time>3:58 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2384907f elementor-widget elementor-widget-author-box\" data-id=\"2384907f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/08\/KQ-old-headshot-e1724698493735-241x300.webp\" alt=\"Picture of Kellan Quinn\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h2 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tKellan Quinn\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Kellan Quinn is a founding partner at Eirion Risk Underwriters LLC with a strong track record in driving growth and developing strategic insurance initiatives.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-339e09fc\" data-id=\"339e09fc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7eae3ad5 elementor-widget__width-initial elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"7eae3ad5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1000\" height=\"1000\" src=\"\/wp-content\/uploads\/2024\/09\/Lego-Large.png\" class=\"attachment-large size-large wp-image-3380\" alt=\"\" srcset=\"\/wp-content\/uploads\/2024\/09\/Lego-Large.png 1000w, \/wp-content\/uploads\/2024\/09\/Lego-Large-300x300.png 300w, \/wp-content\/uploads\/2024\/09\/Lego-Large-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Lego-Large-768x768.png 768w, \/wp-content\/uploads\/2024\/09\/Lego-Large-600x600.png 600w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37421ea6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37421ea6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-28869cd1\" data-id=\"28869cd1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-457a124 elementor-widget elementor-widget-text-editor\" data-id=\"457a124\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Modular buildings are the most exciting construction innovation since the cowboy hard hat.&nbsp; They provide a quick, efficient, cost-effective way to construct new buildings.&nbsp; While the industry\u2019s appeal is evident, many contractors and developers have faced significant drawbacks as new claims issues continue to emerge. In the&nbsp;meantime, the builders&#8217; risk market has been inconsistent in its underwriting approach and as the challenges of this portfolio class develop, policy terms and conditions are expected to evolve.<o:p><\/o:p><\/p>\n<p><b>Understanding the Risks of Modular Construction<o:p><\/o:p><\/b><\/p><p>Modular construction involves assembling prefabricated\nunits, or &#8220;boxes,&#8221; on-site. Since each box is typically designed\nseparately, discrepancies can arise in the overall HVAC system, insulation, and\nsealing, creating potential entry points for moisture.<o:p><\/o:p><\/p><p>The highest risk of modular construction failures is\ntypically seen in residential or multi-family buildings such as hotels, student\nhousing, and senior living facilities. These buildings often share similar\nneeds, including individual heating\/cooling units, bathroom exhaust systems,\nand some central HVAC make-up air systems. With more modular &#8220;boxes&#8221;\ninvolved, increased interior cavities heighten the risk.<o:p><\/o:p><\/p><p>When water or mold damage occurs, modular construction is\nvery difficult to repair. In severe cases, the building may need to be\npartially deconstructed to remove damaged materials, then redesigned and\nrebuilt using conventional construction methods. This switch to traditional\nbuilding techniques often results in costly project overruns and significant\ndelays.<o:p><\/o:p><\/p><p><b>The Marriage Wall: A Hidden Vulnerability<o:p><\/o:p><\/b><\/p><p>One of the most challenging aspects of modular construction\nis the &#8220;marriage wall&#8221; (a terrible name), which is the space where\ntwo modular units meet. Essentially, it\u2019s two walls pressed together to form a\nthicker interior barrier. Ideally, this area should be tightly sealed to keep\nmoisture out, but it often becomes a hotspot for condensation and mold. The\ngaps between the walls trap warm, humid air, leading to surface condensation.\nOver time, this moisture can lead to mold growth, which can seriously weaken\nthe building&#8217;s structural integrity. In multi-unit structures, each\n&#8220;marriage line&#8221; creates multiple marriage walls, increasing the\npotential for mold issues in various spots.<o:p><\/o:p><\/p><p><b>HVAC and Pressurization Challenges<o:p><\/o:p><\/b><\/p><p>The HVAC system is important for any building but is crucial\nin modular construction. Maintaining the right pressure balance is key to\npreventing moisture infiltration. However, consistency in airflow and\npressurization across the building can arise when each modular unit has its own\nindividual HVAC setup. This can create weak points where outside air sneaks in,\nbringing moisture that condenses on cooler surfaces, ultimately leading to mold\ngrowth.<o:p><\/o:p><\/p><p><b>Additional Risks in Modular Construction<o:p><\/o:p><\/b><\/p><p>Modular construction isn&#8217;t just about dealing with moisture\nproblems; it also involves managing several other heightened risks.<o:p><\/o:p><\/p><p><b>Manufacturing Defects:<\/b> Quality control is crucial\nduring module manufacturing. Any defects in the factory can have severe\nimplications for the construction schedule and the final structure&#8217;s integrity.\nRegular inspections before and after delivery are necessary to catch any issues\nearly.<o:p><\/o:p><\/p><p><b>Transportation Risks:<\/b> Transporting large, prefabricated\nmodules from the factory to the construction site is a complex and challenging\nprocess. The constant movement during transit can lead to cracks or other\ndamage to the modules, potentially compromising the building&#8217;s structural\nintegrity. Since these are often oversized shipments, the risk of\ntransportation-related losses is even greater. Any mishap during transportation\ncan result in severe damage, leading to expensive repairs and delays.<o:p><\/o:p><\/p><p><b>Off-Site Coverage:<\/b> <o:p><\/o:p><\/p><p>Since modular units are often stored off-site, additional\noff-site storage limits are required. The property can be especially vulnerable\nto wind, hail, flood, or wildfire while temporarily stored. Underwriters\ntypically need additional information to ensure the off-site location matches\nthe same assumed exposures as the final project job site.<span style=\"font-size: 10.5pt; line-height: 107%; font-family: Arial, sans-serif; color: rgb(28, 28, 28); background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;\"> <\/span>Theft and vandalism risks increase when\nstoring units before installation, potentially causing project timeline\ndisruptions.<o:p><\/o:p><\/p><p><b>Fast Track\nSchedules:<o:p><\/o:p><\/b><\/p><p>Fast-track\nconstruction typically leads to condensed construction schedules, drastically\naltering the builders&#8217; risk pricing methodology. The value curve increases\nsubstantially, exposing more values much earlier in the project. Builder risk\npricing must reflect the increased exposure experienced earlier in the project\ntimeline.<o:p><\/o:p><\/p><p><b>The Impact of Weather on Modular Construction<o:p><\/o:p><\/b><\/p><p>Weather, especially rain, can pose significant challenges to\nmodular construction. Modules constructed in dry climates and transported to\nwetter environments may experience moisture intrusion during assembly. This can\noccur due to sealant cracks from transportation or gaps between modules,\nallowing rain to seep in and leading to costly water damage.<o:p><\/o:p><\/p><p>Even well-protected modules can suffer from moisture issues,\nas evidenced during one of Seattle&#8217;s wettest seasons. Water may accumulate in\nunexpected areas like gaps between temporary roofing or within steel tube\nframes, creating conditions leading to mold and structural damage. These\nweather-related challenges can result in project delays &amp; extensive\nrepairs.<o:p><\/o:p><\/p><p><b>Inspection and Compliance: A Fragmented Process<o:p><\/o:p><\/b><\/p><p>Inspection and code compliance can also be more complicated\nin modular construction. Different parts of the building\u2014such as the modular\nboxes and the base structure\u2014might be inspected by separate entities, leading\nto potential gaps in oversight. Without a coordinated inspection process that\nconsiders the building, issues like air leakage and improper sealing can go\nunnoticed until they become significant problems.<o:p><\/o:p><\/p><p><b>Real Life Losses<o:p><\/o:p><\/b><\/p><p>In the dry climate of Arizona, modular wood-frame units were\nmanufactured for an apartment building being constructed in the Pacific\nNorthwest.&nbsp; The modules were designed to arrive\nat the job site fully furnished and ready for quick assembly. These units were\nthen transported to the not-dry climate of Seattle, where small cracks\ndeveloped in the sealant applied to the tops of the modules during\ntransportation. Upon arrival at the construction site, the cracks in the\nsealant allowed rainwater to penetrate areas meant to remain protected. This\nled to widespread moisture intrusion, requiring replacing up to 75 percent of\nthe building&#8217;s finishes.<o:p><\/o:p><\/p><p>In California, a similar modular project faced significant water-related\nissues.&nbsp; Despite the modular units being\nwrapped in heavy-duty Tyvek to protect them from the elements, water was\ndiscovered in the window assemblies, ceilings, and beneath the Tyvek wrap.\nDuring assembly, water that had accumulated on the temporary roofing cascaded\ndown onto the floors below. Since many of the units already contained\nfurniture, fixtures, and appliances, the damage was significantly compounded.\nThe majority of each module had to be gutted entirely, resulting in a sizable\nbuilders&#8217; risk claim and further project delays.<o:p><\/o:p><\/p><p><b>The Bottom Line<o:p><\/o:p><\/b><\/p><p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<\/p><p>When underwriting modular construction, it is essential to\nmodify the traditional 4-wall builder&#8217;s risk approach to address the unique\nchallenges of this rapidly growing industry. Due to a higher vulnerability to\nwater damage, more comprehensive protections are necessary to guard against\npotential losses. Therefore, builder&#8217;s risk markets are considering stronger\ndeductible structures to manage this increased risk better. In addition,\nstandard rating practices must evolve to account for tighter construction\ntimelines, increased exposure during transit and storage, and the risks from\ndefects in both manufacturing and construction.<o:p><\/o:p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-558639a8\" data-id=\"558639a8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7c5a326f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c5a326f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-28b2ee6a\" data-id=\"28b2ee6a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d654bd2 elementor-widget elementor-widget-heading\" data-id=\"5d654bd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Share:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-73c2f163\" data-id=\"73c2f163\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fc4bae0 elementor-icon-list--layout-inline elementor-align-end elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2fc4bae0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin-in\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e6ed6b1 elementor-widget elementor-widget-heading\" data-id=\"2e6ed6b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">More Posts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c72db0f elementor-grid-1 elementor-posts--thumbnail-left elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"3c72db0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3565 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized entry has-media\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/eirionrisk.azurewebsites.net\/?p=3565\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"169\" src=\"\/wp-content\/uploads\/2025\/04\/Eirion-Risk-3-300x169.jpg\" class=\"attachment-medium size-medium wp-image-3571\" alt=\"\" srcset=\"\/wp-content\/uploads\/2025\/04\/Eirion-Risk-3-300x169.jpg 300w, \/wp-content\/uploads\/2025\/04\/Eirion-Risk-3-1024x576.jpg 1024w, \/wp-content\/uploads\/2025\/04\/Eirion-Risk-3-768x432.jpg 768w, \/wp-content\/uploads\/2025\/04\/Eirion-Risk-3-1536x864.jpg 1536w, \/wp-content\/uploads\/2025\/04\/Eirion-Risk-3-800x450.jpg 800w, \/wp-content\/uploads\/2025\/04\/Eirion-Risk-3.jpg 1920w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/eirionrisk.azurewebsites.net\/?p=3565\" >\n\t\t\t\tEirion Risk Underwriters Gains Lloyd\u2019s Coverholder Status, Expanding Global Carrier Relationships\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Rosewell, Georgia&#8212; Eirion Risk Underwriters, LLC (\u201cEirion\u201d) proudly announces its approval as a Lloyd&#8217;s Coverholder. This prestigious designation enhances Eirion\u2019s ability to deliver superior underwriting<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3368 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized entry has-media\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/eirionrisk.azurewebsites.net\/?p=3368\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"300\" src=\"\/wp-content\/uploads\/2024\/09\/Lego-Large-300x300.png\" class=\"attachment-medium size-medium wp-image-3380\" alt=\"\" srcset=\"\/wp-content\/uploads\/2024\/09\/Lego-Large-300x300.png 300w, \/wp-content\/uploads\/2024\/09\/Lego-Large-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Lego-Large-768x768.png 768w, \/wp-content\/uploads\/2024\/09\/Lego-Large-600x600.png 600w, \/wp-content\/uploads\/2024\/09\/Lego-Large.png 1000w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/eirionrisk.azurewebsites.net\/?p=3368\" >\n\t\t\t\tBuilders Risk Issues with Modular Construction: Navigating the Challenges of Moisture, Transportation, and More\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Modular buildings are the most exciting construction innovation since the cowboy hard hat.&nbsp; They provide a quick, efficient, cost-effective way to construct new buildings.&nbsp; While<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-2834 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized entry has-media\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/eirionrisk.azurewebsites.net\/?p=2834\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"300\" src=\"\/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn-2-300x300.png\" class=\"attachment-medium size-medium wp-image-2900\" alt=\"\" srcset=\"\/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn-2-300x300.png 300w, \/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn-2-1024x1024.png 1024w, \/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn-2-150x150.png 150w, \/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn-2-768x768.png 768w, \/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn-2-600x600.png 600w, \/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn-2.png 1080w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/eirionrisk.azurewebsites.net\/?p=2834\" >\n\t\t\t\tEirion Risk Underwriters Welcomes Devin Claypool as Chief Underwriting Officer\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Eirion Risk Underwriters is excited to announce the appointment of Devin Claypool as the company\u2019s new Chief Underwriting Officer. Devin joins the team with over<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-2768 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized entry has-media\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/eirionrisk.azurewebsites.net\/?p=2768\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"157\" src=\"\/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn-300x157.png\" class=\"attachment-medium size-medium wp-image-2759\" alt=\"\" srcset=\"\/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn-300x157.png 300w, \/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn-1024x535.png 1024w, \/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn-768x401.png 768w, \/wp-content\/uploads\/2024\/08\/Eirion-LinkedIn.png 1200w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/eirionrisk.azurewebsites.net\/?p=2768\" >\n\t\t\t\tBeyond Risk Announces Strategic Partnership with Eirion Risk\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>PHOENIX &amp; ROSWELL, Ga.&#8212;-Beyond Risk Topco Holdings, LP\u00a0(\u201cBeyond Risk\u201d), a leader in alternative risk financing solutions, is pleased to announce a strategic partnership with Eirion<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Modular buildings are the most exciting construction innovation since the cowboy hard hat.&nbsp; They provide a quick, efficient, cost-effective way to construct new buildings.&nbsp; While the industry\u2019s appeal is evident, many contractors and developers have faced significant drawbacks as new claims issues continue to emerge. In the&nbsp;meantime, the builders&#8217; risk market has been inconsistent in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3380,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"on","ocean_display_header":"on","ocean_header_style":"minimal","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"on","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"default","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3368","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","entry","has-media"],"_links":{"self":[{"href":"https:\/\/eirionrisk.azurewebsites.net\/index.php?rest_route=\/wp\/v2\/posts\/3368","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eirionrisk.azurewebsites.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eirionrisk.azurewebsites.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eirionrisk.azurewebsites.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/eirionrisk.azurewebsites.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3368"}],"version-history":[{"count":5,"href":"https:\/\/eirionrisk.azurewebsites.net\/index.php?rest_route=\/wp\/v2\/posts\/3368\/revisions"}],"predecessor-version":[{"id":3422,"href":"https:\/\/eirionrisk.azurewebsites.net\/index.php?rest_route=\/wp\/v2\/posts\/3368\/revisions\/3422"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eirionrisk.azurewebsites.net\/index.php?rest_route=\/wp\/v2\/media\/3380"}],"wp:attachment":[{"href":"https:\/\/eirionrisk.azurewebsites.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3368"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eirionrisk.azurewebsites.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3368"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eirionrisk.azurewebsites.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3368"}],"curies":[{"name":"wp","href":"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