Construction Insurance
OCIP vs CCIP: What's the Difference?
If you work on large commercial or public construction projects, you have likely received an OCIP or CCIP enrollment packet. These wrap-up insurance programs cover all contractors on a project under one master policy — but they come with important implications for your own workers comp and GL coverage.
Side by Side
OCIP vs CCIP: Key Differences
| Factor | OCIP | CCIP |
|---|---|---|
| Who buys the policy | Project owner (developer, municipality, school board) | General contractor |
| Who controls claims | Owner's risk manager or TPA | GC's risk manager or TPA |
| Typical project size | $10M+ construction cost | $50M+ construction cost |
| Common on | Public works, hospitals, schools, stadiums | Large commercial, mixed-use, industrial |
| Lines typically covered | Workers comp, GL, Builder's Risk (sometimes) | Workers comp, GL |
| EMR impact | Claims excluded from your EMR | Claims excluded from your EMR |
| Your own policy | Must exclude enrolled project | Must exclude enrolled project |
| Enrollment required | Yes — you must enroll before starting work | Yes — GC administers enrollment |
How They Work
What Wrap-Up Insurance Actually Covers
Both OCIPs and CCIPs are project-specific policies that replace individual contractor coverage for that job.
Workers Comp Coverage
All enrolled contractors and their employees are covered under the wrap-up's workers comp policy for injuries that occur on the enrolled project. Claims go to the wrap-up carrier, not your individual policy.
General Liability Coverage
Third-party bodily injury and property damage claims arising from work on the project are covered under the wrap-up GL policy. This includes completed operations coverage for a specified period after project completion.
Who Is Enrolled
The GC and all subcontractors (and often sub-subcontractors) working on the project must enroll. Enrollment is typically required before you can begin work on the project site.
Cost Savings Rationale
By consolidating all contractors under one policy, the owner or GC eliminates duplicate coverage, reduces overall premium spend, and gains centralized control over claims management and safety programs.
Your Own Policy
What You Still Need When Enrolled in a Wrap-Up
Do not cancel your own policy when enrolled in an OCIP or CCIP
The wrap-up only covers work performed on the enrolled project. All other jobs you perform — for other clients, at other locations — are still covered by your own workers comp and GL policy. You must keep your own policy active. Your agent should add an OCIP/CCIP exclusion endorsement to your policy to prevent double coverage on the enrolled project.
What the wrap-up covers
- Injuries on the enrolled project site
- GL claims arising from project work
- Completed operations (for the project)
- All enrolled subcontractors on the project
What your own policy still covers
- All other jobs and projects
- Off-site work related to the project
- Equipment and vehicles (separate coverage)
- Any work excluded from the wrap-up
Enrollment Process
What to Do When You Receive an Enrollment Packet
OCIP/CCIP enrollment checklist
- Read the coverage summary — confirm WC and GL limits
- Note the project start and end dates
- Identify what is excluded (equipment, off-site work, auto)
- Notify your insurance agent immediately
- Request an OCIP/CCIP exclusion endorsement on your own policy
- Complete the enrollment forms before starting work on site
- Keep a copy of your enrollment confirmation
- Track any claims separately — they affect the wrap-up, not your EMR
Working on a Project With an OCIP or CCIP?
We help Florida contractors navigate wrap-up enrollment, adjust their own policies correctly, and avoid coverage gaps or double-billing.