Glossary

Wrap-up (OCIP/CCIP)

A single insurance program, bought by a project owner or lead contractor, that covers the owner and all enrolled contractors on one construction project.

Also called: wrap-up program, OCIP, CCIP, owner-controlled insurance program, contractor-controlled insurance program, consolidated insurance program

A wrap-up, or consolidated insurance program, replaces the separate policies of each contractor on a project with one program. The sponsor buys general liability, often workers' compensation and excess liability, for everyone enrolled. When the project owner buys it, it is an owner-controlled insurance program (OCIP); when the general contractor buys it, it is a contractor-controlled insurance program (CCIP). They are common on large projects with many trades, where one program offers uniform terms, single claims handling and fewer finger-pointing disputes.

Each enrolled contractor's own general liability policy carries a wrap-up exclusion, such as ISO CG 21 54, that removes the project from that policy. Contractors keep their own coverage for off-site and non-enrolled work. Limits are shared: one aggregate serves every enrolled party, so a few large claims can erode what remains for all. completed operations coverage usually continues for a set period after the project ends, often a decade or more, and should be checked against the state's statute of repose.

The gaps appear at the edges: a sub that was never enrolled, an off-site yard or fabrication shop, or a policy that excludes the work whether or not the wrap-up responds. Confirm enrollment before mobilization and keep your own liability in force. The guide on Wrap-up programs: how OCIPs and CCIPs work covers enrollment and bidding, and the aggregate limit entry explains why shared limits matter.

Last reviewed October 10, 2026

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Related terms

Completed operations Liability coverage for injury or damage that occurs after a contractor or service provider finishes a job and leaves, arising out of the finished work. Aggregate limit The most an insurer will pay for all covered claims during a policy period, however many separate occurrences or claims there are. Builder's risk Property insurance for a building under construction or renovation, covering the structure, materials and temporary works until completion or occupancy. Additional insured A person or business added by endorsement to someone else's liability policy so it can claim directly for suits tied to the policyholder's work or premises. Certificate of insurance A one-page summary issued by an agent or insurer showing what coverage a business carried on the date issued, which confers no rights on the holder.

Related guides

Wrap-up programs: how OCIPs and CCIPs work How owner- and contractor-controlled insurance programs cover a whole construction project, who pays, what stays outside, and what to check as owner, GC or sub.

Related insurers

Allied World Fairfax-controlled Bermuda specialty insurer writing excess casualty, D&O, healthcare, environmental and property for midsize and large U.S. accounts. Berkshire Hathaway Specialty Insurance Berkshire Hathaway's Boston-based specialty arm, launched in 2013: property, casualty, D&O, E&O, healthcare liability, surety and marine through brokers. Crum & Forster Fairfax's Morristown specialty carrier: admitted and E&S casualty, construction, property, surety and accident and health, sold through agents and wholesalers. Starr Insurance Companies Privately held global specialty insurer based in New York; the No. 1 U.S. writer of commercial fire and aircraft insurance and No. 2 in ocean marine.

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