Contractor-Controlled Wrap-Up

CCIP Insurance: Contractor-Controlled Insurance Programs

A Contractor-Controlled Insurance Program (CCIP) gives the general contractor the ability to sponsor and control a single master insurance policy covering all enrolled subs — eliminating the patchwork of individual sub policies and providing uniform coverage terms across the entire project. We structure, place, and administer CCIPs for mid-to-large construction projects.

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What a CCIP Covers

A CCIP functions like an OCIP from a coverage structure standpoint — it's a wrap-up program with a master GL and workers comp policy covering all enrolled parties. The GC is the named insured; enrolled subcontractors are additional insureds under the master policy.

When a claim arises, it's handled under one policy with one carrier — not litigated between multiple individual sub policies. The GC and their broker manage the program, administer enrollment, and coordinate claims.

Coverage Elements

General contractor general liability
All enrolled subcontractors' GL on a master schedule
Workers compensation for enrolled subs
Excess / umbrella liability layers
Completed operations tail coverage
Builders risk (can be included or placed separately)
Contractor's professional liability (design-build add-on)
CCIP Contractor-Controlled Insurance Program wrap-up

Our CCIP Services

  • Feasibility analysis and program structure design
  • Carrier selection and master policy placement
  • Subcontractor enrollment management
  • Insurance credit review and verification
  • Claims advocacy and coordination
  • Program renewal and tail administration

When to Choose a CCIP

GC-Led Project

When the general contractor, not the owner, is controlling all project procurement and wants uniform coverage across their sub base.

Multiple-Site Program

A CCIP can be structured as a rolling program across multiple GC projects simultaneously — one program, many sites.

Risk Management Sophistication

GCs who self-insure or have a captive may prefer a CCIP because it lets them retain more control over the insurance economics across their portfolio.

Owner Doesn't Want Administrative Burden

Some owners prefer the GC handle insurance coordination. A CCIP keeps the owner's administrative role minimal while still achieving wrap-up coverage benefits.

CCIP FAQ

What is the difference between a CCIP and an OCIP?
Both are wrap-up programs with similar coverage structures. The key difference is who sponsors the program. In an OCIP, the project owner buys and administers the program. In a CCIP, the general contractor buys and administers it. Both cover enrolled contractors and subs under a master policy — the GC and owner roles in the program are reversed.
Can a CCIP cover multiple projects?
Yes. Many GCs structure their CCIP as a 'rolling wrap-up' or 'rolling CCIP' that covers multiple projects initiated during a policy period — rather than a single-project program. This approach is efficient for high-volume GCs who want a consistent wrap-up program across their entire project pipeline.
What must subcontractors do when enrolled in a CCIP?
Subcontractors enrolled in a CCIP must deduct (credit back) the cost of the GL and workers comp coverage the CCIP provides from their contract price. They also must maintain their own non-CCIP coverages: commercial auto, contractor's equipment, and any professional liability. They must follow the CCIP safety program and reporting requirements.
How are CCIP premiums funded?
The GC pays the CCIP premium. The economic benefit comes from insurance credits — subcontractors deduct the cost of coverage from their bids, which offsets the GC's CCIP premium cost. The GC also benefits from no longer having to chase certificates from every sub and having uniform coverage terms across the project.

Structure Your CCIP Program

Contact our wrap-up specialists for a CCIP feasibility analysis and program design — at no cost.

Request CCIP Consultation