Large construction projects involve multiple contractors, shifting timelines, and complex risk exposures. Managing insurance across all parties can quickly become fragmented and inefficient. That’s where CCIP and OCIP programs come in.
CCIP (Contractor Controlled Insurance Program) and OCIP (Owner Controlled Insurance Program) are wrap-up insurance solutions designed to provide consistent coverage across an entire construction project.
Instead of each contractor carrying separate general liability and workers’ compensation policies, a single, centralized insurance program is put in place to cover all enrolled parties.
1. Reduced Coverage Gaps
With one coordinated program, the risk of inconsistent or missing coverage between subcontractors is significantly reduced.
2. Improved Cost Efficiency
Buying coverage in bulk for an entire project can often result in lower overall insurance costs compared to fragmented individual policies.
3. Streamlined Compliance & Administration
A single program simplifies enrollment, auditing, and certificate tracking for all contractors on site.
4. Enhanced Risk Control
Centralized safety programs and uniform coverage terms help improve overall jobsite safety and claims management.
5. Greater Project Certainty
With consistent insurance standards across all trades, project owners and contractors can focus more on execution and less on administrative risk issues.
These programs are typically best suited for:
Not every project needs a wrap-up program, but when used appropriately, they can be a powerful tool for managing both cost and risk.
CCIP and OCIP programs aren’t just about insurance—they’re about control, consistency, and efficiency across the entire construction lifecycle.
If you’re planning a project in Metro Atlanta, it’s worth evaluating whether a wrap-up program could improve your risk strategy.
📞 Contact us to discuss your construction insurance needs (678)266-3353
📧 Email us to explore whether a CCIP or OCIP is right for your next project BizIns@jainsuranceagency.com