General contractors may purchase a contractors wrap-up insurance program—commonly called an Owner Controlled Insurance Program (OCIP) or Contractor Controlled Insurance Program (CCIP)—to provide liability and workers’ compensation protection for most operations on a specific construction project. A wrap-up can cover work performed by enrolled subcontractors and other project participants. Contractors may also pair a wrap-up with centralized payroll reporting or a specialty workers’ compensation policy such as the Contractors WC Program to simplify payroll and claims administration for multiple firms on-site. Similar coordinated programs are also used in event production and entertainment—see Entertainment Wrap Ups for an example from that industry.

Many states set criteria for approving wrap-up programs, and sponsors often must meet minimum total contract cost or project-size thresholds. Because rules and contract requirements vary by jurisdiction, project owners and contractors should review state guidance and contract language carefully before implementing a wrap-up. For firms that perform a wide range of trade work or need broader business coverage outside the project scope, a complementary policy such as Multi Purpose/General Contracting Insurance or the Contractors and Manufacturers Program can fill coverage gaps.

Bringing most project-related insurance into a single coordinated program can help:

• Reduce gaps between multiple policies
• Improve consistency of limits, deductibles, and policy language
• Simplify claims handling and centralized risk management for the site
• Provide more predictable insurance costs for large or complex jobs

Wrap-ups are most common on larger projects where many contractors and subcontractors work on the same site; smaller jobs often remain on traditional, individual policies. Enrollment and eligibility tools such as the Contractors Access Program or specialized services like Contractors Access Program Workers Compensation can help subcontractors meet sponsor requirements and maintain compliance when a wrap-up is in place.

Wrap-ups typically focus on general liability and workers’ compensation but should be considered alongside related coverage types such as commercial liability extensions, commercial auto exposure, equipment coverage, participant accident coverage, and property protection. Key underwriting factors include project size, number of enrolled firms, historical loss experience, and job-site operational hazards. A common risk scenario is a dropped tool or heavy-equipment incident causing worker injury or third‑party property damage—an event that can involve both liability and workers’ compensation claims and benefit from coordinated handling.

Underwriters will review exposures, exclusions, certificate and compliance procedures, and loss-control measures when pricing a wrap-up. Practical considerations for sponsors and contractors include proof of insurance, enrollment procedures, payroll reporting, and how completed-operations or off‑site work will be handled once the program ends. For assistance understanding eligibility or getting a tailored quote, many firms use enrollment services or access programs that specialize in contractor compliance and multi-employer reporting.