Wrap-up insurance: OCIP and CCIP
Owner- and contractor-controlled programs for eligible on-site participants — compared against the project, not a template. Placement plus administration through WrapTrack.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
One program instead of dozens of policies
A wrap-up puts a construction site under one coordinated program instead of separate policies with different limits, exclusions, and claims paths for every participant.
OCIP
Owner-controlled. The project owner sponsors and controls the program, and enrolls eligible participants.
CCIP
Contractor-controlled. The general contractor sponsors it. Same workflow, different sponsor and different economics.
One claims path
Coverage disputes between trades stop being a fight between four carriers over the same loss.
Enrollment and eligibility
Who is in, who is out, and what happens to a sub who never enrolled — decided before mobilization.
A wrap is not automatically the right answer
Wraps get sold as a default for large projects. They are not. Feasibility depends on project value, duration, trade mix, the sponsor’s appetite for administration, and whether the credit you collect from subs actually covers the program cost.
Sometimes less insurance is the better recommendation. We have told owners not to buy a wrap, and published why.
Compared against the project, not a template. If an OCIP does not pencil, we say so.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
Tell us the job
Operations, payroll, vehicles, contracts, or project value — whatever applies.
Review the structure
Limits, deductibles, exclusions, and what sits outside the policy.
Bind and issue
Choose coverage. Get policy documents and COIs once the carrier binds.