CCIP (Contractor-Controlled Insurance Program)

Overview

A CCIP — Contractor-Controlled Insurance Program — is a wrap-up insurance program where the general contractor (GC), rather than the project owner, purchases and administers the consolidated insurance. The GC procures a master insurance program covering all enrolled subcontractors for work performed on the project. CCIPs are common among large general contractors who manage multiple projects and have the scale to negotiate favorable insurance terms.

How It Works

The general contractor works with their insurance broker to establish a CCIP that covers general liability, workers' compensation, and excess liability for all enrolled subcontractors. The program is structured similarly to an OCIP but with the GC as the controlling party.

Key operational aspects of a CCIP include:

• Subcontractor enrollment: Each subcontractor enrolls by providing payroll projections, worker classifications, and exposure data
• Insurance credits: Subcontractors reduce their bids by the amount they would have spent on their own insurance for the project
• Site-specific coverage: The CCIP covers work at the designated project site only
• GC's own coverage: The GC's own workers and operations are also covered under the CCIP
• Reporting requirements: Enrolled subcontractors report monthly payroll to the CCIP administrator

The GC benefits from bulk purchasing power, consistent coverage across all subcontractors, and reduced administrative burden of collecting and reviewing individual COIs. The GC also retains control over the insurance program's quality and limits.

Compliance Relevance

CCIPs create a layered compliance model that differs from both traditional COI tracking and OCIP management:

• GC as program administrator: The compliance responsibility shifts from the project owner to the GC for enrolled parties
• Owner's residual obligations: The project owner still needs to verify that the GC's CCIP meets the contract's insurance requirements and that the GC's own coverage is adequate
• Enrollment gaps: Subcontractors who begin work before completing enrollment represent a compliance risk — their own policies must cover the gap
• Scope boundaries: Work performed off-site, at the subcontractor's shop, or on other projects is not covered by the CCIP
• Completed operations: Like OCIPs, CCIPs include a tail period for post-completion claims that must be tracked long-term

Compliance platforms should support CCIP tracking by allowing the project owner to monitor the GC's program status while maintaining traditional COI tracking for non-enrolled parties and supplemental coverages.