What is the difference between an OCIP and a CCIP?

Who buys it. An OCIP is bought by the project owner; a CCIP by the general contractor. For an enrolled subcontractor the effect is similar, though the terms differ program to program.

Do I still need to name the general contractor as additional insured?

Usually on your own policies, for work outside the program, yes. The manual and the contract say which. Read both before you price the job.

Can you check the insurance requirements in my contract?

Yes. Paste the insurance section into our free Contract Insurance Decoder and it names the endorsement behind each clause, flags the ones that are often missing, and prints a checklist, without the text leaving your browser. Send that with your current policy and a licensed agent compares them line by line, usually the same business day.

A safety manager in a hard hat with a clipboard at the badge-in gate of a large hospital construction site at dawn, cranes and site fencing behind

I’m enrolled in an OCIP or CCIP. What insurance do I still need?

An owner-controlled (OCIP) or contractor-controlled (CCIP) insurance program usually covers enrolled contractors’ general liability and workers comp for work at the project site, and often excess. You still need your own policies for everything outside it: work off site, your autos, your other jobs, often professional liability, and completed operations after the program’s period ends. Your own general liability may exclude the wrap-up project with CG 21 54.

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The forms, side by side

Form	What it does	Blanket or scheduled	Carrier availability	What to ask your agent	Common trap
Wrap-up general liability	Covers enrolled contractors on site	Program policy	Set by the program	What is the completed operations period?	It ends before the statute of repose does
Wrap-up workers comp	Covers your employees on site, when included	Program policy	Set by the program	Is comp included, and in which states?	Your own comp must still cover off-site work
CG 21 54 on your policy	Excludes the wrap-up project from your general liability	Scheduled	Common	Does the exclusion follow the program’s end date?	Excluding completed operations your wrap-up no longer covers
Your own auto and off-site	Everything the program leaves out	Your policies	Widely available	Are these still in force?	Dropping them to reduce the bid

Wrap-up general liability
What it does
Covers enrolled contractors on site
Blanket or scheduled
Program policy
Carrier availability
Set by the program
What to ask your agent
What is the completed operations period?
Common trap
It ends before the statute of repose does
Wrap-up workers comp
What it does
Covers your employees on site, when included
Blanket or scheduled
Program policy
Carrier availability
Set by the program
What to ask your agent
Is comp included, and in which states?
Common trap
Your own comp must still cover off-site work
CG 21 54 on your policy
What it does
Excludes the wrap-up project from your general liability
Blanket or scheduled
Scheduled
Carrier availability
Common
What to ask your agent
Does the exclusion follow the program’s end date?
Common trap
Excluding completed operations your wrap-up no longer covers
Your own auto and off-site
What it does
Everything the program leaves out
Blanket or scheduled
Your policies
Carrier availability
Widely available
What to ask your agent
Are these still in force?
Common trap
Dropping them to reduce the bid

The detail

CG 21 54, Exclusion: Designated Operations Covered By A Consolidated (Wrap-Up) Insurance Program, removes your general liability for ongoing and completed operations at the scheduled location whether or not the wrap-up program matches your coverage, has adequate limits, or remains in effect.
CG 21 54 01 96 specimen, Independent Insurance Agents of Texas
Wrap-up programs typically cover on-site operations of enrolled contractors and exclude off-site operations, vehicles and suppliers, with the terms set by each program’s manual.
Wrap-up program practice; each program’s insurance manual governs

What this means for you

Read the insurance manual. Every wrap-up publishes one. It says what is covered, what you must still carry, and how long completed operations lasts. Send it to your agent with the contract.
Watch the completed operations period. If the program’s completed operations ends before your exposure does, and your own policy excludes the project, nobody covers your finished work.
Expect a bid credit, and check the math. Programs usually ask you to remove insurance cost from your bid. Remove only what the program actually replaces.

Go deeper on any of these

Need this handled?

Reading about it and having it handled are different jobs, and the second one is ours. We place the accounts other brokers decline — claims history, a cancellation, an unusual operation, a business nobody wants to underwrite twice — and we will tell you when the policy you already have is the right one. Tell us the situation and a licensed human replies the same business day.