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.
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.
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
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.
UCI delivers turnkey OCIP support that keeps your project organized and compliant throughout its lifecycle.
With UCI, you gain a single point of contact and the confidence that every participant on your site is properly insured.
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.
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.
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 project owners implement OCIPs that bring every participant under one reliable policy. Protect your project stay focused on successful delivery.
