What is a wrap-up or OCIP for large tower construction projects?

An Owner Controlled Insurance Program (OCIP) or wrap-up is a single insurance program purchased by the project owner that covers all contractors and subcontractors working on a large project. In the tower industry, OCIPs are uncommon for individual tower builds but may be encountered on large-scale deployments involving dozens of sites, data center construction with associated tower work, or major infrastructure projects. Under an OCIP, you exclude the project payroll from your own workers compensation and GL policies because the owner's wrap-up provides that coverage. Your premium should decrease accordingly since you are not insuring that exposure. However, wrap-ups create complexity: your own policy must be endorsed to exclude the OCIP project, you must carefully track which employees and hours are on the OCIP project versus your other work, and you still need your own coverage for all non-OCIP work. The OCIP may also have different limits or endorsements than what your turf vendor MSAs require for other projects. If you are asked to enroll in an OCIP, review the program terms carefully and coordinate with your own broker to ensure proper exclusion from your standard program.