Wrap-Up Insurance (OCIP/CCIP): How It Changes Subcontractor Coverage
6 min read · Updated June 20, 2026
On large projects you may be told the job is “wrapped” — covered by a single project-wide policy. Wrap-ups change how subcontractor coverage and your own audit work, and misunderstanding them can mean paying twice. Here’s the rundown.
What a wrap-up is
A wrap-up provides insurance — often workers’ comp and general liability — for everyone working on one specific large project, under a single program. Two flavors:
- OCIP (Owner-Controlled Insurance Program) — the project owner buys and controls it.
- CCIP (Contractor-Controlled Insurance Program) — the general contractor does.
Do subs still need their own coverage?
For work on the wrapped project, the wrap-up may cover enrolled subs — but they still need their own coverage for off-site and non-wrap work. Never assume a wrap-up replaces a sub’s policy entirely; confirm exactly what’s enrolled and what isn’t. What to require from subs →
How it affects your audit
This is the part that bites: payroll covered under the wrap-up is generally handled separately from your own policy. If your auditor doesn’t see clean records of what was in the wrap-up, that payroll can get double-charged on your own audit. Keep documentation of the wrapped project’s enrollment and payroll. Check it on your worksheet →
Keep your records straight
Separate wrap-up payroll from your regular payroll all year so the audit treats it correctly — and so you’re not paying premium twice for the same workers. Estimate your non-wrap exposure →
General information for contractors, not insurance advice. Wrap-up scope and exclusions vary by program — read the enrollment terms and confirm with your agent.
Frequently asked questions
What is a wrap-up insurance policy (OCIP/CCIP)?
A single policy that provides coverage — often including workers’ comp and general liability — for everyone working on a specific large project. An OCIP is owner-controlled; a CCIP is contractor-controlled.
Do subcontractors still need their own workers’ comp on a wrap-up job?
For work on the wrapped project the wrap-up may cover them, but they still need their own coverage for off-site and non-wrap work. Confirm exactly what the wrap-up includes.
How does a wrap-up affect my workers’ comp audit?
Payroll covered under the wrap-up is generally handled separately from your own policy. Keep clear records of what was in the wrap-up so it isn’t double-charged on your audit.
See your own exposure — free
Two free tools, no signup: estimate your audit surprise, and check whether your subs’ COIs actually protect you.
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