Construction · Insurance Term
Wrap-Up Program (OCIP)
Definition
A wrap-up program is a single insurance program bought by the project owner or general contractor that covers most contractors working on a construction project. An owner-controlled program is called an OCIP, and a contractor-controlled one is a CCIP.
In Plain English
Instead of each contractor buying its own liability and workers' comp, the sponsor buys one program covering everyone on site. This can simplify claims and reduce disputes between insurers.
Wrap-ups usually include general liability and may include workers' comp and excess liability. Builders risk insurance is usually bought separately.
They often have a per project aggregate limit and may include extended completed operations coverage for construction defect claims.
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Example
Hypothetical: a developer building a $40 million apartment complex sets up an OCIP. All enrolled contractors are covered under one liability program, and their bids exclude their own insurance costs for the project.
Why It Matters for Texas Property Owners
The Texas Anti-Indemnity Act includes exclusions for certain provisions in consolidated insurance programs, so wrap-ups interact with Texas indemnity rules differently than standard construction contracts.
What to Watch For
- Confirm which contractors are enrolled and which are excluded.
- Check how long completed operations coverage lasts after the project.
- Coordinate builders risk separately.
- Have an attorney review contract terms tied to the wrap-up.
Sources
Last updated October 14, 2026 · Primesure editorial team · How We Write