Owner-Controlled Insurance Program (OCIP)

An Owner-Controlled Insurance Program (OCIP) is a wrap-up insurance arrangement where the property owner or developer purchases a master insurance policy that covers all eligible contractors and subcontractors working on a specific project. The owner controls the program, selects the carrier, and sets coverage terms. Enrolled contractors deduct their insurance costs from their bids since the owner provides coverage, typically resulting in cost savings through volume purchasing power. OCIPs commonly include general liability, workers' compensation, and excess liability. In COI compliance, OCIPs significantly change the verification workflow. Instead of collecting certificates from every contractor, the compliance team verifies enrollment in the OCIP and confirms that each contractor has properly excluded the OCIP project from their own policies to avoid double coverage. Compliance platforms must support OCIP tracking as a distinct workflow, managing enrollment lists, exclusion confirmations, and wrap-up policy verification alongside traditional per-vendor certificate management.