Owner Controlled Insurance Program & OCP Insurance
Wrap-up insurance review for project owners, developers, general contractors, construction managers, infrastructure sponsors, and enrolled contractors.
Owner Controlled Insurance Programs, Contractor Controlled Insurance Programs, and project-specific wrap-ups can clean up insurance administration on large construction projects, but only when the program is built around the actual work, enrolled parties, excluded operations, completed operations tail, claims handling, certificates, contracts, and off-wrap coverage gaps. Kelly Insurance Group helps project sponsors and enrolled contractors review OCIP, CCIP, OCP, builders risk, excess liability, workers’ compensation, general liability, environmental, professional, and contractor-side gap issues before the project insurance structure creates confusion.
Choose the structure. See where the insurance control point changes.
OCIP, CCIP, OCP, and no-wrap projects can all protect construction work differently. The wrong assumption can create certificate problems, uninsured off-site work, excluded operations, or completed operations gaps.
The owner sponsors the project insurance program.
In an OCIP, the project owner typically sponsors the wrap-up program for enrolled contractors and subcontractors on the covered project. The review should focus on enrollment, covered operations, contractor exclusions, completed operations tail, claims administration, off-wrap coverage, and certificate requirements.
OCIP and CCIP programs do not eliminate insurance work. They move the work into the program design.
A wrap-up can simplify project insurance, reduce duplicate coverage, centralize claims handling, and create a controlled insurance structure for enrolled contractors. That does not mean every exposure is covered. Wrap-up programs are built around defined project work, defined enrolled parties, defined policy terms, defined completed operations periods, and defined exclusions.
Contractors still need their own insurance for non-wrapped work, excluded operations, off-site activities, professional services, pollution exposure, tools and equipment, auto, inland marine, employment practices, cyber, and other business operations. Owners and GCs also need to confirm how the wrap-up interacts with builders risk, OCP liability, railroad protective liability, pollution, professional liability, subcontractor enrollment, and certificate issuance.
Wrap-up items to settle before the project starts
- Project sponsor, project values, location, duration, and covered work description
- Which contractors, subcontractors, tiers, and trades are enrolled or excluded
- Commercial general liability, workers’ compensation, excess liability, and completed operations tail structure
- Builders risk coordination, OCP liability, pollution, professional liability, railroad protective liability, and auto
- Certificate procedures, enrollment forms, payroll reporting, claims reporting, and closeout documentation
- Off-site fabrication, temporary yards, design-build work, materials in transit, equipment, and post-project operations
- Contract indemnity, additional insured wording, waivers of subrogation, primary/noncontributory language, and deductibles
Click the exposure. See why enrolled contractors still need their own insurance reviewed.
Enrollment in an OCIP or CCIP can create a false sense of completion. The contractor’s own insurance still matters whenever work falls outside the wrap.
A wrap-up may not follow the contractor away from the project site.
Off-site fabrication, storage yards, staging areas, prefabrication shops, temporary warehouses, and material movement may fall outside the wrap-up site definition. Contractors should confirm whether their own CGL, property, inland marine, auto, and workers’ compensation policies respond away from the wrapped project.
Coverage categories to coordinate around an OCIP, CCIP, or OCP placement
A wrap-up insurance program is not one policy pretending to solve every construction exposure. The right structure depends on the project, contract, sponsor, enrolled parties, work scope, location, term, construction defects exposure, and claims administration plan.
OCIP / CCIP Wrap-Up Liability
Reviews project-specific general liability, enrolled contractor status, exclusions, retentions, completed operations period, claims reporting, and certificate handling.
Review wrap-up structureOCP Liability Insurance
Owner’s and Contractor’s Protective liability can be used on certain projects to protect an owner or contractor from liability arising out of a designated contractor’s operations, subject to policy wording.
Discuss OCP liabilityBuilders Risk & Soft Costs
Project property coverage should be coordinated with the wrap-up liability structure, including property values, delay exposure, soft costs, equipment, and temporary works.
Builders risk & soft costsPollution / Environmental Liability
Pollution and environmental exposures are often separate from the wrap-up. Soil, water, mold, fuel, hazardous material, and site-condition issues should be reviewed separately.
Pollution insuranceProfessional Liability
Design services, engineering, design-build responsibility, construction management professional exposure, and consultant work may need separate professional liability review.
Professional liabilityUmbrella / Excess Liability
Wrap-up excess liability, contractor off-wrap excess, contractual limit requirements, and owner-requested higher limits should be coordinated before certificates are issued.
Commercial umbrella & excessConstruction situations where OCIP, CCIP, OCP, or wrap-up insurance may need review
Information to prepare before an OCIP, CCIP, or OCP review
- Project name, location, project value, start date, completion date, and expected project duration
- Owner, developer, construction manager, general contractor, and major subcontractor list
- Scope of work, project delivery method, contract structure, and enrolled-party requirements
- Existing insurance specifications, OCIP manual, CCIP manual, OCP requirements, or lender requirements
- Workers’ compensation, general liability, excess liability, builders risk, pollution, professional, and auto requirements
- Excluded trades, off-site fabrication, temporary yards, professional services, suppliers, vendors, and consultants
- Completed operations requirements, tail period, claims reporting procedures, and closeout responsibilities
- Certificates, additional insured wording, waivers of subrogation, primary/noncontributory language, and indemnity requirements
The program has to match the project, not just the contract requirement.
OCIP, CCIP, and OCP requirements often look clean in a contract but get complicated when the actual project starts. Subcontractors need certificates. Payroll reports need to be handled. Excluded work must be identified. Builders risk must be coordinated. Pollution and design work must be checked. Completed operations must be understood before the project is closed.
Kelly Insurance Group helps review the project insurance structure from both sides: the sponsor’s program design and the enrolled contractor’s gap exposure. That matters when contractors are told they are “covered by the wrap” but still carry exposures outside the program.
How to make the wrap-up insurance conversation cleaner
Identify whether the program is owner controlled, contractor controlled, OCP-only, rolling wrap-up, or no-wrap.
List the owner, GC, CM, enrolled contractors, excluded contractors, vendors, suppliers, consultants, and design parties.
Review CGL, WC, excess, builders risk, pollution, professional, auto, inland marine, and contractor off-wrap policies.
Confirm off-site work, excluded operations, completed operations tail, certificates, claims handling, and closeout terms.
Use the right page for the project insurance issue
OCIP, CCIP, and OCP insurance often connect to builders risk, pollution, professional liability, umbrella, infrastructure contractors, safety consultants, and construction project owner coverage.
OCIP, CCIP & OCP Insurance Questions
What is an Owner Controlled Insurance Program?
An Owner Controlled Insurance Program, commonly called an OCIP, is a project insurance structure sponsored by the owner for certain enrolled contractors and subcontractors working on a covered construction project. The exact coverage depends on the program terms, project manual, policy forms, exclusions, and enrollment requirements.
What is the difference between an OCIP and a CCIP?
An OCIP is sponsored by the project owner. A CCIP is sponsored by the general contractor or construction manager. Both may provide certain wrap-up coverage for enrolled project parties, but the sponsor, administration, enrollment process, claims handling, and contract responsibilities can differ.
What is OCP insurance?
OCP insurance generally refers to Owner’s and Contractor’s Protective liability coverage. It is often used to protect an owner or contractor from liability arising out of a designated contractor’s work, subject to policy wording, project requirements, and carrier terms.
Do contractors still need their own insurance if enrolled in an OCIP or CCIP?
Yes. Contractors usually still need their own insurance for off-wrap work, non-project operations, excluded work, auto, tools, equipment, pollution, professional services, employment practices, cyber, and any other exposure not handled by the wrap-up program.
What information helps review an OCIP, CCIP, or OCP requirement?
Helpful information includes the project contract, insurance specifications, OCIP or CCIP manual, OCP requirement, project scope, sponsor details, enrolled parties, excluded work, coverage limits, completed operations requirements, certificates, and claims reporting procedures.
Send the project structure before the wrap-up creates certificate problems or coverage gaps.
Tell us whether the project involves OCIP, CCIP, OCP, no-wrap insurance, or a contractor-side enrollment review. Include the insurance specifications, project manual, scope of work, enrolled parties, excluded work, and certificate requirements.
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Disclaimer: Coverage availability and eligibility may depend on many factors, including underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations. Information on this page should not be relied upon as a substitute for reviewing the actual policy language or consulting appropriate professional advisors. Kelly Insurance Group does not employ, supervise, or direct attorneys.