We are enrolled in an OCIP or CCIP. Which insurance do we still have to carry ourselves?

What is the difference between an OCIP and a CCIP?

Both are wrap-ups: one insurance program bought for a project, covering most of the parties working on site. An owner-controlled insurance program is bought by the owner. A contractor-controlled program is bought by the general contractor. For an enrolled subcontractor the mechanics are the same. The difference is who chose the terms and who you ask for the manual.

The AGC’s 2026 paper on data-center construction says most wrap-ups include general liability and excess or umbrella coverage, and some also incorporate workers compensation. It adds that the sponsor controls the coverage it procures, and that these programs often carry excess limits that are too low for the scale of data-center projects and unusual manuscript exclusions.

Enrollment is not automatic. CR Solutions, a wrap-up administrator, states that the sponsor can enroll or exclude each contractor individually, and that every tier must be either enrolled or specifically excluded before starting work on site.

What does the wrap-up cover, and what stays with me?

Who is left out of a wrap-up?

The AGC paper notes that most wrap-up policies exclude certain parties: hazardous materials remediation contractors, transport companies, and participants who do not perform work or labor at the site, such as suppliers and truckers. Design professionals are also usually excluded.

Davis Wright Tremaine makes the same point about parties who do most of their work off site, such as material suppliers and fabricators. That matters to a trade contractor in two ways. If you fabricate skids, bus duct or pipe spools in your own shop, that work is off site and outside the program. And your own suppliers and haulers are probably not enrolled, so their insurance is still your concern.

Returning after completion is a separate question. Whether warranty or service visits are covered depends on the manual.

What changes on my own policies?

• Your general liability insurer is likely to add the wrap-up exclusion CG 21 54. The 01 96 edition excludes your ongoing and completed operations at the scheduled location whether or not the wrap-up has identical coverage, has adequate limits or remains in effect.
• Your bid is adjusted. CR Solutions explains that insurance costs normally incurred for the wrapped coverage must be removed from the bid or contract amount, and that a final credit is calculated from final payroll and contract value.
• Your loss record still follows you. The same administrator notes that losses under the wrap-up can affect your premiums through your experience mod.
• Your certificate obligations continue. You will be asked for a certificate showing the coverages the wrap-up does not provide.

What do I read before enrolling?

• The insurance manual. Attorney David Adelstein notes that it should state what is included, how premiums and the close-out audit work, who pays deductibles, and what insurance the participant still has to buy.
• The length of completed operations coverage after the project ends.
• The deductible or self-insured amount that can be charged back to you. Davis Wright Tremaine notes that wrap-ups generally carry higher deductibles.
• The definition of the project site, to see whether a laydown yard or prefabrication shop is inside it.
• The indemnity clause in your subcontract. Davis Wright Tremaine notes that a wrap-up can affect indemnification and defense of claims, particularly for amounts above what the wrap-up covers.

Related questions

Do I still need my own general liability policy if I am enrolled in a wrap-up?

Yes. The wrap-up covers the designated project site for a fixed period. Your other jobs, your off-site operations and the off-site insurance the wrap-up administrator asks you to evidence all depend on your own policy.

Does a wrap-up cover my trucks?

Usually not. Automobile liability is listed as outside the program by both law firm sources used here, and wrap-up administrators ask enrolled contractors for a certificate showing it.

Does a wrap-up always include workers compensation?

No. The AGC paper says most wrap-ups include general liability and excess, and some also incorporate workers compensation. The manual for your project will say.