Large construction and development projects involve multiple contractors, subcontractors, vendors, and moving parts — all of which create significant insurance and liability exposures. For many developers and general contractors, Controlled Insurance Programs (CIPs) can offer a more centralized approach to managing project risk.
At J&A Insurance Agency Inc., we work with construction and development professionals throughout Georgia to help evaluate CCIP and OCIP insurance solutions for complex projects.
A Contractor Controlled Insurance Program (CCIP) is an insurance program typically arranged by the general contractor to provide coverage for eligible subcontractors and project participants under a centralized policy structure.
CCIP programs may include:
These programs are often used on larger commercial construction projects where consistent coverage coordination and risk management are priorities.
An Owner Controlled Insurance Program (OCIP) operates similarly, but the project owner or developer purchases and controls the insurance program for the project.
OCIPs are commonly considered for:
Depending on project structure and eligibility, controlled insurance programs may offer advantages such as:
Coverage can be consolidated under one program structure for participating contractors and subcontractors.
Claims management may become more efficient with centralized oversight and administration.
Project-wide safety standards and insurance consistency can help support overall risk control efforts.
On qualifying projects, centralized insurance structures may help reduce overlapping coverage costs.
CCIP and OCIP programs require careful planning, contract review, and coordination among project stakeholders. Evaluating insurance structure early in the development process can help avoid coverage gaps and support smoother project operations.
J&A Insurance Agency Inc. works with owners, developers, and contractors to help identify insurance strategies tailored to the needs of complex construction projects throughout Georgia.
📞 Phone: (678) 266-3353
📧 Email: BizIns@jainsuranceagency.com
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