Owner Controlled InsuranceProgram (OCIP/CCIP).
Wrap-up programs centralize project coverage under one policy structure, replacing the patchwork of individual contractor programs that would otherwise apply. The structure can produce cost and claims management efficiency — but only when it's built correctly.
One policy structure, many enrolled parties.
A wrap-up program replaces the standard model where every contractor and subcontractor on a project carries their own insurance. Instead, a single program — sponsored by the owner (OCIP) or general contractor (CCIP) — provides agreed coverages for all enrolled parties on their wrapped-project work. The structure produces efficiencies when scale, project complexity, or administrative concentration justify the investment in program design and ongoing administration.
Coverage Gap Analysis Is the Job
The wrap doesn't cover everything. Off-project work, off-site fabrication, design services, and post-construction operations are commonly excluded. The contractor's own program must address those gaps. The coverage gap analysis — matching wrap scope against contractor exposure — is the single most important step in protecting an enrolled contractor against uncovered loss scenarios. KIG approaches this as the central placement task.
Legacy Tail — The Claims After the Project Ends
Construction defect claims surface years after substantial completion. Wrap-up programs include completed operations tails sized to the latent claim period. Tail adequacy, retroactive coverage scope, and notice provisions all affect whether claims that emerge years later actually have coverage available. Legacy operations planning is part of how the wrap should be structured at the outset, not an afterthought.
Program architecture for a wrap-up program.
Wrap-Up Commercial General Liability
CGL coverage for enrolled contractors on wrapped-project work. Limits, retentions, and completed operations tail structure all material design decisions.
Wrap-Up Workers Compensation
Workers compensation for enrolled contractor employees on wrapped-project work. State-specific approval and administrative requirements apply.
Wrap-Up Excess Liability
High-limit excess capacity above wrap-up CGL providing project-level catastrophic coverage for all enrolled parties.
Builders Risk Coordination
Project-specific property coverage coordinated with the wrap-up liability program. Owner-sponsored builders risk most common on OCIPs.
Contractor Off-Wrap Programs
Enrolled contractors maintain their own programs for non-wrapped work and excluded scopes. Coordination with wrap-up provisions is essential.
Pollution / Environmental Coordination
Pollution coverage typically placed separately. Wrap-up program design must address whether pollution is included or separately sponsored.
Professional Liability Coordination
Design and engineering services typically excluded from wrap-ups. Architect/engineer professional liability operates separately.
OCIP / CCIP insurance — answered.
What is an OCIP and how does it work? +
An Owner Controlled Insurance Program (OCIP) is a wrap-up insurance program where the project owner procures and provides certain insurance coverages for all enrolled contractors and subcontractors working on a specific construction project or set of projects. Typical wrapped coverages include commercial general liability, workers compensation, and excess liability. Enrolled contractors are insureds under the OCIP policies for their work on the wrapped project, and their own insurance programs typically respond to their off-project work.
What is the difference between an OCIP and a CCIP? +
An OCIP — Owner Controlled Insurance Program — is procured and administered by the project owner. A CCIP — Contractor Controlled Insurance Program — is procured and administered by the general contractor or construction manager. Both structures wrap up coverage for enrolled contractors and subcontractors on the project, but the policy sponsor differs. The choice depends on project size, owner sophistication, contractor capability, financing structure, and the parties' relative bargaining position.
What coverage do contractors still need outside an OCIP or CCIP enrollment? +
Contractors enrolled in an OCIP or CCIP retain coverage needs outside the wrap-up scope. The wrap-up generally covers enrolled contractors only for their wrapped-project work, leaving off-project work and excluded scopes uncovered by the wrap. Contractors must maintain their own commercial general liability, workers compensation, and other coverages for non-wrapped work. Additionally, certain wrap-up programs exclude specific operations such as off-site fabrication, design services, and post-construction operations.
Adjacent project and contractor hubs.
Four generations of specialty placement.
Kelly Insurance Group traces its lineage to 1881 — from Pittsburgh's Grant Street to a specialty brokerage placing wrap-up programs and supporting enrolled contractors on owner-controlled and contractor-controlled programs across institutional, infrastructure, and large commercial projects. Wrap design and the contractor-side gap analysis are equally important parts of the work.
READ THE FULL HISTORY →Specialists in wrap-up placement.
Wrap-up programs require brokers who understand wrap design, enrollment administration, gap analysis on the contractor side, and the legacy operations tail structure. Our team has placed and supported these programs.
MEET THE KIG TEAM →Client Portal · COIs on Demand
Most KIG clients receive access to our custom client portal for 24/7 certificate generation — essential for owners, GCs, and enrolled contractors managing wrap-up enrollment certificates and off-wrap program certificates simultaneously.
Discuss your wrap-up program.
Tell us about the project or contractor side — sponsor type, project profile, scope, and enrollment status. We support both the wrap-up design and the contractor-side gap analysis.
- Owner sponsors evaluating OCIP feasibility
- General contractors evaluating CCIP placement
- Rolling wrap-up program sponsors
- Enrolled contractor gap-analysis placement
- Institutional project owners
- Infrastructure project sponsors
- Healthcare and higher-ed project owners
- Construction managers and CM-at-risk firms
// COVERAGE AVAILABILITY, TERMS, AND ELIGIBILITY VARY BY CARRIER, STATE, AND INDIVIDUAL PROJECT. WRAP-UP PROGRAM STRUCTURE IS PROJECT-SPECIFIC. THIS PAGE DESCRIBES COVERAGE CONCEPTS GENERALLY. CONTACT KIG TO DISCUSS YOUR SPECIFIC PROJECT OR ENROLLMENT. KIG TRACES ITS AGENCY LINEAGE TO 1881.