What does CCIP stand for?

CCIP stands for Contractor-Controlled Insurance Program, also called a 'wrap-up.' It is a single insurance policy the general contractor buys to cover every enrolled contractor on one job.

What is the difference between CCIP and OCIP?

CCIP (Contractor-Controlled) is purchased and controlled by the general contractor, while OCIP (Owner-Controlled) is purchased and controlled by the project owner. The mechanics are otherwise identical.

What insurance does a CCIP typically cover?

A wrap-up on a commercial job typically covers general liability and completed operations, and on larger projects workers' compensation, for every enrolled subcontractor on that site only.

Do I need to deduct insurance costs from my bid on a CCIP job?

Yes. You must deduct the cost of covered insurance lines from your bid. The enrollment packet typically includes an insurance credit/deduct worksheet you are required to complete.

Does a CCIP replace my own business insurance?

No. A CCIP does not replace your business insurance; it overlays this one project only. Your own policies still exist for off-site work, tools, and jobs not in the wrap.

Am I automatically covered under a CCIP?

No. You are not automatically covered because a CCIP exists. You must submit an enrollment form and receive an enrollment confirmation to be covered under the wrap.

A CCIP (Contractor-Controlled Insurance Program), also called a wrap-up, is a single insurance policy the general contractor buys to cover every enrolled contractor on one construction project. Enrolled subcontractors are covered as insureds under that master program for their on-site work on that project only.

What is the difference between a CCIP and an OCIP?

In a CCIP the general contractor controls and pays for the wrap-up program; in an OCIP the project owner controls it. The insurance mechanics are otherwise identical.

How does a CCIP affect my bid as a subcontractor?

Because the wrap provides coverage the project site, you must deduct the cost of the covered insurance lines from your bid using the program's deduct worksheet. Failing to remove that cost means you double-pay for insurance and can leave roughly 2% to 4% of your bid on the table.

Does a CCIP replace my own business insurance?

No. A wrap-up only covers on-site work for the enrolled project. Your own policies still apply to off-site work, tools and equipment, commercial auto, and any job not in the wrap. Do not cancel or reduce your business insurance for a wrap-up job.

When am I actually covered under a CCIP?

You are covered only after you submit the enrollment form and receive an enrollment confirmation. A CCIP existing does not automatically enroll you. Do not sign a subcontract assuming coverage until your enrollment confirmation is in hand.

What Is a CCIP and What Does It Mean for My Bid

Q: How much money can I lose by bidding a wrap-up job incorrectly?

Subcontractors routinely leave 2% to 4% of the bid on the table by failing to deduct the insurance the wrap already provides.

CCIP explained: Learn how contractor-controlled insurance programs work and save 2-4% on bids by deducting covered insurance costs correctly.

This content is general information only and is not legal, tax, financial or insurance advice. Speak to an appropriately licensed professional before acting on it.

🎯 A CCIP (Contractor-Controlled Insurance Program), also called a "wrap-up," is a single insurance policy the general contractor or owner buys to cover every enrolled contractor on one job, including you the subcontractor. When you see "CCIP" or "OCIP" on a bid packet, it means the GC is providing your general liability and often your workers' comp for that project only, and you are expected to bid the work with those coverages stripped out of your price. Getting this wrong costs real money: subs routinely leave 2% to 4% of the bid on the table by failing to deduct the insurance the wrap already provides.

Last updated: September 2026. Pricing verified September 2026 — changes often; verify before committing.

TL;DR

CCIP = Contractor-Controlled Insurance Program. The GC controls and pays for the wrap; OCIP = Owner-Controlled, the owner controls it. The mechanics are otherwise identical.
A wrap-up on a commercial job typically covers general liability and completed operations, and on larger projects workers' comp, for every enrolled sub on that site only.
You must deduct the cost of covered lines from your bid. The enrollment packet almost always includes an insurance credit / deduct worksheet you are required to complete.
Your own policies still exist for off-site work, tools, and jobs not in the wrap. The wrap does not replace your business insurance; it overlays this one project.

Definition: what a CCIP actually is

A CCIP (Contractor-Controlled Insurance Program) is a "wrap-up" insurance policy purchased and administered by the general contractor to insure all enrolled contractors on a single construction project under one master program. Instead of every subcontractor bringing their own general liability and workers' comp to the site, the GC buys one program that "wraps" the whole job. Enrolled subs are covered as insureds under that program for their on-site work on that project.

The word to hold onto is enrolled. You are not automatically covered because a CCIP exists. You submit an enrollment form, sometimes payroll estimates, and you get an enrollment confirmation back. Until that confirmation lands, you are not in the wrap, and signing a subcontract that assumes you are is signing a gap.

Why "can I sign this?" hinges on the wrap

The moment the CCIP question matters is not abstract. It is the moment the bid packet lands and the insurance-requirements exhibit reads differently from every other job you have bid this year. On a normal subcontract, the exhibit tells you what limits to carry and what endorsements to add. On a wrap-up job, the exhibit tells you the opposite: what to remove from your price, and often that certain endorsements the GC usually demands do not apply because the wrap provides them.

Bidding a wrap-up job like a standard job double-pays for insurance. You carry your own general liability in your bid number, the wrap carries it again, and you hand the difference to a competitor who read the packet more carefully. The correction is not glamorous: you find the covered lines, you calculate what those lines actually cost you as a percentage of payroll or contract value, and you subtract that amount on the deduct worksheet the program provides. When the program is silent on the exact figure, you ask your broker for your current cost of the covered coverage and use that number — in writing, so the deduction is defensible if the GC questions it later.

What the wrap covers — and what it does not

A CCIP or OCIP generally provides coverage only for work performed on the enrolled project site. Typical covered lines include commercial general liability, completed operations for that project, and — on larger programs — workers' compensation and employer's liability. Excess or umbrella layers are sometimes included as well.

What the wrap almost never covers:

Off-site work. Fabrication in your own shop, staging yards, and travel are your responsibility.
Tools and equipment. Inland marine and equipment floater coverage stays with you.
Automobile liability. Your commercial auto policy remains in force and is usually still required by the subcontract.
Professional liability, pollution, and other specialty lines unless expressly enrolled.

Because your own policies must continue for everything outside the wrap, do not cancel or reduce your business insurance for a wrap-up job. Confirm with your broker that your general policy properly excludes the wrapped project payroll so you are not paying premium twice on the same exposure.

How to price it correctly

Read the enrollment/insurance exhibit first, before you price labor or materials. Identify exactly which lines the wrap provides.
Complete the deduct worksheet using your real cost of the covered lines, not a rule-of-thumb guess.
Get the enrollment confirmation in writing before you sign the subcontract.
Have your broker confirm off-site coverage remains active and that your policy correctly carves out the wrapped payroll.

Before You Bid

⚠️ Do not sign enrollment or the subcontract until (a) you receive your enrollment confirmation, (b) you verify the insurance deduct in writing with the wrap program, and (c) your insurance broker confirms your off-site coverage remains active. A wrap-up shifts insurance mechanics in ways that are easy to misread; when in doubt, hold the pen and ask.

Methodology: This guide is educational and general in nature, not legal or insurance advice. Coverage terms, covered lines, and deduct calculations vary by program, project, and state. Percentages cited are illustrative ranges drawn from common industry practice, not a quote for any specific job. Always verify against your actual bid packet, your broker, and the wrap-up administrator before relying on any figure.

Sources and further reading

Associated General Contractors of America (AGC), Owner and Contractor Controlled Insurance Programs (OCIP/CCIP) guidance and construction risk-management resources — https://www.agc.org (accessed September 2026).
International Risk Management Institute (IRMI), Wrap-Up Insurance Programs — reference articles and glossary — https://www.irmi.com (accessed September 2026).
National Association of Insurance Commissioners (NAIC), Consumer and commercial insurance resources; directory of state insurance commissioners — https://www.naic.org (accessed September 2026).
American College of Construction Lawyers (ACCL) / American Bar Association Forum on Construction Law, published summaries on wrap-up enrollment and coverage disputes — https://www.americanbar.org/groups/construction_industry (accessed September 2026).