Help for subcontractors working inside a wrap-up
We don’t sell the wrap. We help the subs inside it.
What a wrap-up covers and what it doesn’t
An OCIP (owner-controlled insurance program) or CCIP (contractor-controlled insurance program) usually covers workers’ comp, general liability, and excess liability for enrolled contractors working on that one site. Builder’s risk is often included too.
What it usually doesn’t cover:
- Work away from the site, including your shop or yard
- Your vehicles
- Your tools and equipment
- Your other jobs
- Claims that come up after the wrap’s completed operations period ends
- Workers or sub-tiers that were never properly enrolled
Your own policies have to cover all of that. On a wrapped site, your own policy usually excludes that site, so the two need to fit together without gaps.
Before you bid
On a wrap job, you usually submit your bid net of the insurance the wrap provides, often through an insurance cost worksheet. Contractors who fill out those worksheets after they’ve been awarded the job can end up with a mispriced bid. Work the numbers out before you bid.
Source: Marsh specialty contractor risk report, via ENR.
Enrollment
Enrollment isn’t automatic. Wrap manuals generally require you to:
- Enroll before you mobilize and get written confirmation
- Provide a current certificate showing your own (non-wrap) coverage
- Enroll your lower-tier subcontractors
- Report payroll monthly by class code
- Report incidents on the program’s schedule
If you start work before enrollment is confirmed, you may be left out of the program, and your own policy may have to respond. Many programs also set a maximum experience mod, commonly 1.00.
Sources: Port Authority of NY & NJ OCIP manual, Yale OCIP manual, Alpha Labor on OCIPs for data centers.
Your own policies during the job
While you’re enrolled in a wrap, you still buy your corporate program: auto, equipment, umbrella, pollution if you need it, professional liability if you do design work, and workers’ comp and general liability for everything off the wrap. Payroll that’s covered by the wrap should be reported correctly so you don’t pay for the same exposure twice.
When you leave the wrap
Wraps cover completed operations for a set period. After that, or for work outside the wrap’s terms, your own general liability may have to respond. Keep your certificates, enrollment letters, and termination notices.
Pass the GC’s insurance exhibit: our checklist
Use our checklist to compare the insurance exhibit on a data center subcontract with your current policies: download the checklist (PDF).
Free review of your exhibit and your mod
Send us the wrap manual or the insurance exhibit and your current mod worksheet. We’ll walk through what you need to show. The review is free.
Related: electrical contractor workers’ comp · staffing workers’ comp
Common questions
What’s the difference between an OCIP and a CCIP?
The owner buys an OCIP. The general contractor buys a CCIP. For a subcontractor, they work about the same.
Do I still need my own workers’ comp?
Yes, for work off the wrapped site and anything the wrap doesn’t cover.
How do I avoid paying twice for payroll on a wrap job?
Report your wrap payroll separately and correctly to your own carrier at audit. We help you set that up.
What happens if I’m not enrolled before I start?
You may be excluded from the wrap, leaving your own policy to respond.
Who reports payroll to the wrap administrator?
Usually you do, monthly, through the program’s online system.
Does the wrap cover my trucks?
No. Auto liability stays on your own policy.