UCI helps contractors take control of job-site insurance with Contractor-Controlled Insurance Programs. We design and manage CCIPs that simplify coverage coordination, reduce administrative work, and keep every subcontractor protected under one organized plan.
A Contractor-Controlled Insurance Program (CCIP) brings all subcontractors and trades under one master policy managed by you, the general contractor. This unified approach creates consistent protection and streamlined claims handling throughout every phase of your build.
General liability and workers’ comp for all enrolled subcontractors
Excess or umbrella liability coverage for large projects
Subcontractor onboarding and documentation support
Centralized claims coordination
Integration with your project safety plan
Custom policy terms based on project scope and duration
With UCI, you gain clear oversight and seamless insurance coverage across your entire job site.
This coverage is ideal for:
General contractors overseeing complex commercial builds
Firms coordinating multiple subcontractor teams
Contractors with dedicated safety or insurance administration departments
Businesses seeking consistent liability protection for all trades
Developers or construction managers who want simplified coverage across all participants
Our advisors help evaluate your project scope and structure a CCIP that fits your budget and operations.
UCI provides consultative program design and ongoing support that makes managing a CCIP simple from start to finish.
With UCI, you can manage your CCIP confidently while focusing on delivering successful projects.
Verticals
Each vertical has its own loss profile, carrier appetite, and contract language. We staff the practice accordingly, for a wide range of contractor types across all 47 states, including:
01
GCs hold the master policy and carry the risk for work their subcontractors perform, not just their own crews. Coverage has to account for subs, completed work, and owner contract terms.
02
Solar and wind projects bring high equipment values and electrical work that many carriers are still cautious about. As a newer class, it needs coverage that keeps pace.
03
HVAC, plumbing, and electrical trades face fire from hot work and water damage from failed connections. Each one needs coverage matched to how the trade actually operates.
04
Roofing is one of the toughest classes to insure. Height, torch-down heat, and weather drive up claims, and many carriers cap limits low or decline the work.
05
Concrete, formwork, and structural steel carry heavy-equipment risk during the job and long-tail liability after. A frame that fails years later can still trace back to the contractor.
06
Water, fire, and mold work runs into pollution and mold claims that standard policies routinely exclude. This vertical needs environmental coverage written for the specific hazards involved.
07
Glazing, drywall, painting, flooring, and other niche trades each carry their own loss profile and carrier appetite. Coverage gets matched to the trade instead of forced into a generic policy.
No problem. We regularly build policies for niche contractors and hybrid construction firms. If you build it, we can cover it.
We offer comprehensive contractor insurance coverage across all 50 states with a deep understanding of local regulations, union requirements, and regional construction practices.
We’ve helped professionals across the industry protect their businesses without the headaches of overpriced or confusing policies.
UCI helps contractors launch and manage CCIP programs that keep coverage consistent across every trade. Gain clarity and confidence with a partner who understands construction and the demands of large-scale projects.
