Wrap-up programs are common on large projects. Subcontractors must price and enroll correctly.
In this article
How it works
One program covers enrolled contractors for certain risks on the project, usually general liability and workers' comp.
OCIP vs CCIP
Owner-controlled or contractor-controlled.
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Coverage
Read what is included and excluded.
Enrollment
Submit forms before starting work.
Bid deductions
Remove insurance cost from the bid as required.
Safety requirements
Programs often have strict rules.
Claims
Report through the program.
Completed operations
Know how long coverage lasts.
Where to start
Ask your broker to review the wrap-up manual before you submit your bid.
Common mistakes
Late enrollment, wrong deductions and gaps in off-site coverage.
An example
A subcontractor deducted the wrong insurance cost in its bid on a wrap-up project. After that, it asked its broker to review every wrap-up manual before bidding.
What to track
Track enrollment dates, required deductions, payroll reports and claims under each program.
Questions to ask
Which coverages are included? What must we remove from our bid? Does our own policy cover off-site work?
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Frequently asked questions
What is the difference between OCIP and CCIP?
An OCIP is purchased by the owner and a CCIP by the general contractor. Both provide certain insurance coverage for enrolled contractors on the project.