What OCIP and CCIP actually are
An Owner-Controlled Insurance Program (OCIP) is purchased by the project owner and covers every enrolled contractor and subcontractor on that specific project. A Contractor-Controlled Insurance Program (CCIP) does the same thing, but purchased and administered by the general contractor instead.
Both replace each enrolled sub's individual policy for that project only — the sub's own policy still applies to every other project they work outside the wrap-up.
Why the distinction matters for a subcontractor
Because CCIP is administered by the GC rather than the owner, a sub's relationship and communication about enrollment, claims and coverage questions typically runs through the GC's risk management team rather than the owner's — which can affect how quickly questions get resolved.
Some subs report a smoother experience under CCIP specifically because they already have an established working relationship with the GC, versus an OCIP where the owner's insurance administrator may be a less familiar point of contact.
What every sub should verify before enrolling
Confirm the enrollment was actually completed correctly — a sub who assumes they're automatically covered under the wrap-up without confirming active enrollment can discover a gap only at claim time.
Also confirm the wrap-up's coverage period matches the actual project timeline, since coverage typically doesn't extend past the program's defined period — a completed-operations claim arising after the wrap-up ends may fall back to the sub's own policy, which needs to be adequate on its own.
The completed-operations question that catches subs off guard
Wrap-up programs sometimes offer extended completed-operations coverage beyond the active construction period, but not always — and if it isn't included or the sub isn't properly enrolled in that extension, the sub's own policy needs to independently cover that same completed-operations exposure.
This is worth confirming explicitly with the wrap-up administrator rather than assumed, since it's exactly the kind of gap that isn't visible until a claim arrives years after the project completed.
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Frequently asked questions
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What's the actual difference between OCIP and CCIP?
OCIP is purchased and administered by the project owner; CCIP is purchased and administered by the general contractor. Both cover enrolled subs for that specific project only.
Does my own policy still matter if I'm enrolled in a wrap-up program?
Yes — it still applies to every other project you work outside the wrap-up, and may need to independently cover completed-operations exposure if the wrap-up doesn't extend that far.
How do I confirm I'm actually enrolled in a wrap-up program?
Confirm directly with the program administrator (owner's team for OCIP, GC's risk team for CCIP) rather than assuming enrollment happened automatically after being notified about it.
Does wrap-up coverage extend after the project is complete?
Sometimes, but not always — confirm explicitly whether the specific program includes extended completed-operations coverage, since this varies by program.
Does enrollment in a wrap-up program lower my own insurance costs?
Often yes — since the wrap-up sponsor typically credits enrolled subcontractors for the general liability and workers compensation premium built into their bid, though this should be confirmed and reconciled against your own bid pricing.
What coverage still needs to come from my own policy while enrolled in a wrap-up?
Coverage for off-site operations, non-enrolled employees, and lines not covered by the wrap-up (such as auto, pollution or professional liability) typically still need to come from your own separate policy.
Who provides proof of wrap-up enrollment for my own records?
The wrap-up administrator or sponsor typically issues enrollment confirmation and a certificate of insurance for the wrap-up policy — keep this on file separately from your own policy's documentation.