Contractor-Controlled Insurance Program (CCIP)

A Contractor-Controlled Insurance Program (CCIP) is a wrap-up insurance arrangement where the general contractor purchases a master insurance policy covering all eligible subcontractors on a project. Unlike an OCIP where the owner controls the program, the GC manages the CCIP, selects carriers, and administers enrollment. Subcontractors deduct insurance costs from their bids for the covered project. CCIPs are common on large construction projects where the GC wants centralized control over insurance quality and limits. In COI compliance, CCIPs require a different verification approach than traditional per-vendor tracking. The compliance team must verify the CCIP's adequacy, manage subcontractor enrollment and exclusion documentation, and ensure that the project owner is properly named as additional insured on the wrap-up program. Compliance platforms should support CCIP-specific workflows including enrollment tracking, premium allocation records, and coordination between the wrap-up program and subcontractors' own policies for off-project work.