Get a wrap-up insurance quote from Kavana Insurance and keep every contractor on your project under the same protection.
Kavana Insurance has spent over 20 years helping businesses protect complex construction projects with tailored wrap-up insurance coverage. We’ve supported hundreds of clients across different industries, giving us firsthand insight into the risks contractors, developers, and project owners face every day. Our specialists understand the fine details of both OCIP and CCIP insurance, and know how to structure policies that keep every party on-site protected under one coordinated program. This mix of experience and industry knowledge makes us a dependable choice for companies that need more than just another wrap-up insurance policy.
Accidents, damages, and unexpected liabilities can arise at any stage of a construction project. Without the right insurance, businesses may face financial losses that could threaten operations. Wrap-up insurance programs offer a structured way to protect all parties involved, ensuring streamlined coverage under one policy.
An OCIP insurance program is a wrap-up insurance policy purchased by the project owner to cover all contractors and subcontractors. It provides general liability protection for third-party injuries, property damage, and legal expenses, ensuring consistent coverage across the project.
The general contractor secures a CCIP insurance policy to cover subcontractors under a single wrap-up insurance program. It includes general liability coverage, protection against claims for bodily injury, property damage, and related legal costs.
While a wrap-up insurance program brings broad protection to construction projects, most businesses find that relying on it alone isn’t enough. Each project and company faces its own set of risks, and covering only one area can leave costly gaps. At Kavana Insurance, we help companies go further by offering bundled insurance plans that combine construction wrap-up insurance with other key policies, so your business is protected from multiple angles.
A project in progress is one of the most vulnerable assets a business can have. Builders’ risk insurance helps cover damage to structures, materials, and equipment during construction, whether from fire, theft, vandalism, or certain weather events. This coverage ensures that delays or unexpected losses don’t derail the entire schedule, protecting both financial investment and project momentum.
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Even the most experienced contractors and design professionals can face claims of mistakes or oversights. Errors & omissions insurance (E&O) is designed to cover the costs of defending against allegations of professional negligence or flawed work. This safeguard helps businesses avoid devastating financial setbacks while also strengthening client confidence in their services.
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Day-to-day construction work comes with unavoidable risks to people and property. Contractor’s liability insurance protects against third-party claims of bodily injury or property damage caused by your operations. It also covers associated legal expenses, giving contractors and project owners peace of mind that accidents won’t turn into financially overwhelming liabilities.
Learn MoreWrap-up insurance is a specialized type of coverage designed for large projects, primarily in the construction industry. Unlike standard policies, where each contractor and subcontractor carries their own insurance, a wrap-up insurance program consolidates coverage under a single policy. This can be either an Owner-Controlled Insurance Program (OCIP) or a Contractor-Controlled Insurance Program (CCIP). Both provide general liability and often workers’ compensation coverage for all participants in a project. This structure simplifies claims handling, reduces administrative costs, and ensures consistent protection across the board.
Wrap-up insurance policies must comply with state insurance regulations, ensuring adequate coverage for all project participants. OCIP and CCIP policies typically require businesses to meet specific requirements, such as minimum coverage limits and adherence to workplace safety standards. When considering OCIP vs CCIP, the choice depends on who controls the policy—OCIP insurance is managed by the project owner, while the general contractor controls CCIP insurance. Both options provide a structured approach to risk management, ensuring financial protection for businesses involved in large-scale projects.
In Kavana Insurance, securing OCIP or CCIP insurance for business owners is a hassle-free process. We’ve designed a streamlined approach that helps you protect your business operations without unnecessary delays. Follow these three steps to get the wrap-up insurance that fits your needs:
Join the Kavana Insurance family of happy customers who’ve found affordable, transparent protection for their homes, cars, and businesses. Hear how our tailored solutions made a difference.
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As a small business owner, I needed solid protection without breaking the bank—Right On delivered with tailored small business insurance that covers liability and property risks. The quote was fast, and their experts helped customize it for my cafe. No surprises, just honest advice and great rates. They’ve earned my loyalty!
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Our team is ready to answer any questions you have—about general liability coverage, policy limits, or industry-specific risks. We’re here to ensure you get the right protection at the best value. Contact us today for expert guidance and safeguard your business with confidence!
