AUGUST 2026 — POST 2 — CONTRACTORS

Enrolled in a Wrap-Up? What OCIPs and CCIPs Mean for Your Own Coverage

Land a spot on a big project — a hospital, a distribution center, a large multifamily job — and you may be told the project is ‘wrapped’: covered under an owner-controlled (OCIP) or contractor-controlled (CCIP) insurance program that enrolls all the trades. Wraps change the rules, and subcontractors who don’t understand what changed carry gaps they never agreed to.

How a wrap works

The sponsor buys general liability (and often workers comp and excess) covering every enrolled contractor for on-site work on that project. In exchange, your bid gets credited — they deduct the premium you’re no longer ‘spending’ on that job. In principle it’s tidy: one program, uniform limits, no finger-pointing between carriers. In practice, the details decide whether you came out whole.

What the wrap does NOT cover — this is the list that matters

Off-site work: your shop, your yard, fabrication, deliveries — your own policies must keep covering everything that isn’t the enrolled site
Your other jobs: the wrap covers one project; your own GL keeps running for everything else, so ‘deducting’ your full insurance cost from the bid is over-crediting
Your equipment and tools: wraps are liability programs — inland marine stays yours
Auto: driving to and from the site is your commercial auto’s job
Completed operations tails vary by wrap: know how long the wrap covers finished work and what happens after it expires
Deductibles and claim handling: some wraps charge losses back to the responsible trade — read the enrollment documents for your real exposure

Before you sign the enrollment

Send me the wrap enrollment package with the contract. We check the credit calculation against what your insurance actually costs for that job, confirm your own policies are endorsed correctly (your GL should exclude the wrapped work so you’re not paying twice), and flag the chargeback provisions. Wraps are neither gift nor trap — they’re a different structure, and the subs who read the structure bid it right.

Questions about your coverage? I’ve spent more than 46 years helping Kansas City area businesses and families get insurance right. As an independent agent with access to over 50 markets, I work for you — not an insurance company. Call or text Jay Stoetzer at 816-384-7738, or email jay@insure247.com for a no-pressure review.