OCIP and CCIP Wrap-Up Insurance
OCIP and CCIP wrap-up insurance, also called a controlled insurance program, consolidates coverage for the owner, general contractor, and enrolled subcontractors on a single project under one set of policies, typically general liability and often excess, and sometimes workers’ compensation. An OCIP is owner-controlled and a CCIP is contractor-controlled, differing by who sponsors and administers the program.
A wrap-up, also called a controlled insurance program, consolidates coverage for multiple enrolled parties on a single project under one set of policies. Instead of every party bringing separate coverage, the owner, general contractor, and enrolled subcontractors are covered together.
What does OCIP and CCIP wrap-up insurance cover?
- Enrolled parties on a defined project: owner, general contractor, and subcontractors, under one program.
- Typically general liability and often excess coverage, and sometimes workers’ compensation.
- Uniform coverage and limits across enrolled parties, with dedicated limits for the project.
Who needs it? Larger or more complex California projects with many parties involved; owners (OCIP) or general contractors (CCIP) who want consistent coverage across everyone on site; projects where reducing cross-litigation among enrolled parties is a priority; and work where dedicated project limits and potential cost efficiency are worth the added administration.
Wrap-ups are common on large California projects, partly because construction-defect and completed-operations exposure runs long here and uniform, dedicated limits can simplify how that exposure is handled. Considerations include enrollment and payroll reporting, deductibles and retentions, coordination with each party’s own practice program, and the fact that off-site work is often excluded.
How we help: We help you understand whether a wrap-up fits the project, walk through enrollment and reporting expectations, and coordinate the program with the coverage individual parties still need to carry.
