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Owner-Controlled Insurance Programs (OCIP) for Seasoned Contractors
Simplified Insurance Coverage for Owners Managing Construction Projects
UCI helps project owners centralize insurance for every contractor and subcontractor under one program. Our advisors design and manage OCIPs that reduce costs, eliminate duplication, and keep your project compliant and protected from start to finish.
Owner-Controlled Insurance: What It Covers and Why It Matters
An OCIP consolidates insurance for all project participants under a single master policy. Instead of every contractor managing their own coverage, the project owner provides unified protection that simplifies administration and improves claims handling.
OCIPs typically include:
General liability and workers’ comp for all enrolled contractors
Excess liability or umbrella coverage
Optional builder’s risk and completed-operations protection
Subcontractor enrollment and compliance tracking
Claims coordination and close-out support
Program setup and ongoing administration
With UCI, owners gain control over insurance quality, consistency, and total project costs.
OCIP Insurance for Owners Leading Large, Multi-Party Projects
This coverage is ideal for:
Private developers and institutional owners managing capital-intensive builds
Public agencies overseeing infrastructure or municipal projects
Universities, hospitals, and facility expansions
Projects with multiple contractors or complex delivery methods
Owners seeking greater transparency and simplified insurance oversight
Our advisors guide you through program design, onboarding, and implementation from day one.
Expert Administration for Owner-Controlled Programs
UCI delivers turnkey OCIP support that keeps your project organized and compliant throughout its lifecycle.
Why Project Owners Choose UCI
- Custom program tailored to your project scope and budget
- Centralized claims coordination for faster resolution
- Dedicated specialists with extensive industry experience
- Expert guidance on the best options for your needs
With UCI, you gain a single point of contact and the confidence that every participant on your site is properly insured.
Construction Industries We Serve
We insure a wide range of contractor types across all 50 states, including:
General Contracting
Roofers
Builders
Solar
Concrete
Carpenters
Restoration
Excavation & Demolition
HVAC
Plumbers
Electricians
Other Trades
Don't See Your Specialty?
Not every contractor fits into a single box. If your business falls outside the usual categories, we’ll work with you to develop the right protection customized for your scope, structure, and specialty.
National Reach, Local Expertise
We offer comprehensive contractor insurance coverage across all 50 states with a deep understanding of local regulations, union requirements, and regional construction practices.
Find Contractor Insurance by Region
What Other Contractors are Saying
We’ve helped professionals across the industry protect their businesses without the headaches of overpriced or confusing policies.
These guys were great, they got me exactly what I needed for my business and it only took a few minutes, and they were able to get me a great price that didn’t break the bank. I would recommend Unlimited Contractors Insurance to any construction company out there. They know the industry so they know exactly what you need.
We were impressed with the prompt, professional support in securing our business insurance. Our needs were clearly understood, and the process was smooth and efficient. Highly recommended for reliable insurance assistance.
I've had an outstanding experience with this insurance company! From the very beginning, my agent Joe was professional, knowledgeable, and genuinely helpful. They took the time to explain my options clearly and made sure I had the coverage that best suited my needs. Whenever I’ve had questions or needed support, they’ve been quick to respond and incredibly easy to work with. It’s refreshing to deal with a company that truly values its customers. I highly recommend them to anyone looking for reliable and personalized insurance service!
Ron Allred was great to work with! He was able to get me the best rate even after calling 3 other companies. Unlimited Contractors Insurance (UCI) was easy to work with and were able to get the exact policy I needed for my business. I recommend UCI to other Contractors looking for their insurance needs.
I was shopping around for a general liability policy for my roofing company when I was referred to Unlimited Contractors Insurance. I was very impressed with the way the agent explained the policy to me and how different types of policies work and the coverage restrictions some have. After having an excellent experience over the phone he sent the pricing and docusign. I was also impressed with their very competitive pricing, so I went ahead and got the policy. If you are a roofer specifically, I would highly recommend them.
After speaking with more than a dozen insurance companies I was directed to Ron who found a way to get me insured the same day. Ron helping me through my first commercial insurance purchase allowed me the ability to get my first job completed on time.
Shawn at Unlimited Contractors Insurance understood our insurance needs and quickly got us a quote for a policy that met our needs. It was a breath of fresh air to speak with someone so knowledgeable about our business. Thank you Unlimited Contractors Insurance!
Simplify Your Project Insurance with Confidence
UCI helps project owners implement OCIPs that bring every participant under one reliable policy. Protect your project stay focused on successful delivery.