📦 Wrap-Ups (OCIP & CCIP)
Wrap-up programs consolidate insurance for large construction projects by covering all eligible contractors under a single program. They streamline coverage, reduce gaps, and centralize safety and claims management. Wrap-ups are common on major commercial, infrastructure, and public projects where coordination and cost control are critical.
📘 What Is a Wrap-Up?
A wrap-up is a project-specific or rolling insurance program that provides General Liability, Workers Compensation, and Excess Liability coverage for all enrolled contractors on a construction project. Instead of each contractor bringing their own insurance, the project sponsor purchases one unified program.
Wrap-ups improve consistency, reduce litigation between contractors, and create a centralized approach to safety and claims handling.
🏗️ Types of Wrap-Ups
There are two primary wrap-up structures:
- OCIP — Owner Controlled Insurance Program: The project owner sponsors and manages the wrap-up.
- CCIP — Contractor Controlled Insurance Program: The general contractor sponsors and manages the wrap-up.
Both structures provide similar coverage; the difference lies in who controls the program and manages enrollment.
🛡️ What Wrap-Ups Cover
Wrap-ups typically include:
- General Liability
- Workers Compensation
- Excess Liability / Umbrella
- Contractor’s Pollution Liability (optional)
- Professional Liability for design-build projects (optional)
📂 Enrollment & Administration
Wrap-ups require detailed administration, including:
- Contractor enrollment and eligibility tracking
- Payroll and man-hour reporting
- Certificate and compliance management
- Claims coordination across all enrolled parties
- Safety program oversight and jobsite audits
📈 Why Projects Use Wrap-Ups
- Reduce litigation between contractors
- Improve jobsite safety through centralized programs
- Provide uniform coverage and limits
- Lower total insurance cost for large projects
- Enhance control over claims and risk management
🧩 How Wrap-Ups Fit Into Construction Risk
Wrap-ups are essential for large or complex projects where traditional contractor-by-contractor insurance creates gaps, overlaps, and administrative challenges. They align incentives, simplify claims, and support coordinated risk management across the entire project team.
