Wrap-Up Liability Insurance (OCIP) for Construction Projects
Wrap-up liability insurance is designed for large or complex construction projects where multiple contractors, trades, and stakeholders are involved. Instead of each party carrying separate liability policies, a single wrap-up policy provides consistent coverage for the entire project.
We help owners and contractors structure OCIP programs that reduce coverage gaps, control costs, and simplify risk management.
What We Do
Wrap-Up Liability Insurance
Centralized liability coverage for construction projects.
OCIP Program Design
Owner-controlled insurance structures.
Risk & Cost Management
Reduce overlaps, gaps, and disputes between parties.
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What Is Wrap-Up Liability Insurance
Wrap-up liability insurance provides a single liability policy covering multiple parties involved in a construction project. This can include owners, general contractors, subcontractors, and consultants.
By consolidating coverage, wrap-up programs eliminate inconsistencies between individual policies and create a unified risk framework for the duration of the project.
OCIP Explained
Owner Controlled Insurance Program (OCIP)
An OCIP is arranged by the project owner and provides liability coverage for contractors and trades working on the project.
Key Benefits of Wrap-Up Liability Insurance
Wrap-up programs offer several advantages:
- Consistent coverage terms for all parties
- Reduced coverage gaps and disputes
- Improved claims coordination
- Potential cost efficiencies on large projects
- Clear risk allocation across contracts
When structured properly, wrap-up insurance improves both project control and predictability.
Common Issues With Wrap-Up Insurance Programs
Problems often arise when wrap-up programs are poorly designed or communicated. Common issues include:
- Inadequate limits for project scope
- Excluded trades or activities
- Misalignment with contractual indemnities
- Confusion over claims reporting
- Gaps between wrap-up and non-wrap-up work
Early planning and proper structuring help prevent these issues.
Ready to Talk About Wrap-Up Liability Insurance
If your project requires OCIP or CCIP coverage, we can help you structure a wrap-up program that protects all parties and reduces uncertainty.
How to Set Up a Wrap-Up Liability Program
The process typically includes:
1. Project and risk assessment
2. Determining OCIP structure
3. Policy design and market placement
4. Contractor enrollment and communication
5. Ongoing administration and claims support
We guide clients through each step to ensure coverage aligns with project realities.
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