Kavana Insurance helps project owners, developers, general contractors, and construction managers review wrap-up insurance options for eligible on-site project participants. Compare OCIP and CCIP structures, coverage needs, enrollment requirements, and related construction policies.
Wrap-up insurance can help centralize eligible jobsite coverage for large or complex construction projects. Kavana Insurance helps review whether an OCIP or CCIP structure may fit the project, contract requirements, enrolled parties, and coverage needs. Coverage terms, eligible participants, limits, exclusions, state rules, and enrollment requirements can vary by project and carrier. Kavana’s role is to help clarify the structure, compare options, and coordinate related construction insurance needs such as builders’ risk, general liability, workers’ compensation, contractors insurance, and professional liability where relevant.
Wrap-up insurance is a project-specific insurance program used mainly for construction projects. Instead of relying only on separate policies from each contractor and subcontractor, a wrap-up can place eligible on-site participants under one coordinated insurance framework. Wrap-up programs are commonly structured as OCIP or CCIP, and coverage, enrollment, limits, exclusions, and claims procedures are defined in the wrap-up program and project documents.
A wrap-up program is project-specific. Common components may include project general liability, excess or umbrella liability, workers’ compensation where allowed, employers’ liability, and a completed operations period, along with contractor enrollment, payroll reporting, and claims and safety procedures. Builders’ risk, professional liability, pollution liability, commercial auto, and off-site fabrication, storage, or transportation may be separate or handled through related policies.
Wrap-up insurance is usually structured as either an Owner-Controlled Insurance Program or a Contractor-Controlled Insurance Program. Both can centralize eligible project coverage — the main difference is who sponsors and manages the program.
An OCIP is sponsored and managed by the project owner. The owner’s team or program administrator arranges the project insurance framework, enrollment, and claims coordination. OCIPs are common on owner-led large projects, campus builds, and public projects.
A CCIP is sponsored and managed by the general contractor or construction manager. The GC or CM team arranges and administers the project insurance framework for eligible enrolled parties. CCIPs are common on contractor-led projects, CM-at-risk, design-build, and repeat programs.
A wrap-up program does not replace every construction insurance need. Some exposures may remain on separate policies or require coordination with related coverage, including general liability, workers’ compensation, and commercial auto.
May help cover buildings, materials, and equipment during construction after covered property losses. Often coordinated with the project insurance plan, but not the same as wrap-up liability coverage.
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Professional liability or E&O may be relevant for design professionals, consultants, and design-build teams. Usually separate from standard jobsite liability coverage.
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Contractors may still need their own insurance for off-site work, non-enrolled operations, tools, vehicles, completed work, or projects outside the wrap-up.
Learn MoreAt Kavana Insurance, reviewing OCIP or CCIP options for a construction project is a clear process. Share a few details about the project, review the program structures and coverage that fit, and decide how to move forward. Certificates of insurance are provided after a policy is bound.
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