If I'm working under an OCIP, do I still need my own general liability insurance?

Usually yes, for anything outside the wrap's defined scope — off-site work, pre-enrollment work, or work continuing after the wrap-up period ends. The wrap typically doesn't eliminate the need for your own policy entirely.

What's the difference between an OCIP and a CCIP?

An OCIP (Owner-Controlled Insurance Program) is arranged by the project owner; a CCIP (Contractor-Controlled Insurance Program) is arranged by the general contractor. Both centralize coverage for enrolled subs, but who controls enrollment and claims differs.

Does a wrap-up policy cover workers' compensation for my crew?

It depends on the specific program — some wraps include WC, others cover GL only and require subs to maintain their own workers' comp separately. This needs to be confirmed in the enrollment documents, not assumed.

Do I still need a certificate of insurance if I'm enrolled in the project's OCIP?

Often yes, even for coverage outside the wrap's scope, or as proof of your standard policy for other work you do outside this specific project.

What happens to my coverage if I do work before the wrap-up enrollment date?

Work performed before formal enrollment is typically not covered under the wrap — this is one of the most common gaps contractors miss, and it's why timing enrollment correctly matters.

California — Project Wrap Insurance (OCIP/CCIP) Specialists

Project Wrap Insurance (OCIP/CCIP)

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Coverage availability, terms, and pricing vary by carrier, classification, risk profile, and state. Nothing on this page constitutes a binding coverage determination. Turnaround times for quotes and certificates of insurance depend on the completeness and accuracy of the information provided, the complexity of the risk, and carrier requirements. We are not responsible for delays caused by incomplete submissions or information not provided in advance.

Coverage availability, terms, and pricing vary by carrier, classification, risk profile, and state. Turnaround times for quotes and certificates of insurance depend on the completeness and accuracy of the information provided, the complexity of the risk, and carrier requirements. We are not responsible for delays caused by incomplete submissions or information not provided in advance.

Why Contractors Choose Us for Project Wrap Insurance (OCIP/CCIP)

An Owner-Controlled or Contractor-Controlled Insurance Program (OCIP/CCIP) — a 'wrap' — centralizes general liability and often workers' comp for a project under one program instead of every sub carrying separate coverage. For subs working under a wrap, the critical detail is scope: the wrap typically covers you only for the work and duration defined in the wrap-up documents, not for off-site work, work before enrollment, or work after project completion. We help contractors read wrap-up enrollment documents correctly, confirm what coverage gap (if any) needs to be filled with their own policy, and avoid the common mistake of assuming a wrap eliminates the need for any coverage at all.

Why contractors choose us

California Licensed Insurance Specialists — CA Lic. 0K70385
Multiple Top-Rated Carrier Partners — We Shop, You Save
Construction & Transportation Focus — We Know Your Trade

Carrier partners include:

TravelersThe HartfordLiberty MutualCNANationwideMarkelZurichChubbGUARDICW GroupEmployersAIG

+ 38 additional carrier markets

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Coverage in Your Project Wrap Program

Coverage lines available for Project Wrap Insurance (OCIP/CCIP) operations. Not every line is required for every contractor — we'll help you build the right program for your risk profile and contract requirements.

Wrap-Up Gap Analysis

Review of OCIP/CCIP enrollment documents to identify what's covered by the wrap and what isn't.

Off-Site / Non-Enrolled GL

Coverage for work, locations, or time periods outside the wrap's defined scope.

Workers' Compensation

Confirmed against whether the specific wrap includes WC or requires it separately.

Project Wrap Insurance — Frequently Asked Questions

California-specific answers for project wrap insurance (ocip/ccip) operations. For more, see our full contractor insurance FAQ or call 844-978-7283.

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844-978-7283

Coverage availability, pricing, and terms vary by carrier, trade classification, risk profile, and state. The answers above are general in nature and do not constitute a binding coverage determination or legal advice. Availability is not guaranteed and depends on underwriting review.

Related Coverage & Resources

General Liability (CGL) Insurance Commercial General Contractor Programs Workers Compensation Insurance

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