Wrap-Up Insurance

Wrap-up insurance is the umbrella term for consolidated insurance programs that cover all enrolled parties on a construction project under one master policy. The two main types are Owner-Controlled Insurance Programs (OCIPs) and Contractor-Controlled Insurance Programs (CCIPs). Wrap-ups provide cost savings through bulk purchasing, uniform coverage terms, centralized claims management, and elimination of coverage gaps between contractors. They are typically used on projects exceeding $50 million in construction value where the economies of scale justify the administrative complexity. Coverage usually includes general liability, workers' compensation, and excess liability, with optional builders risk. In COI compliance, wrap-up programs require specialized tracking that differs from standard vendor-by-vendor certificate management. Compliance teams must manage enrollment rosters, verify that enrolled contractors have properly excluded the project from their own policies, and maintain the wrap-up certificate alongside individual vendor certificates for non-covered lines such as commercial auto and professional liability.