Specialty Brokerage · Wrap-Up Insurance Programs
For project owners and general contractors managing complex commercial builds, the right wrap-up insurance program brings contractors and subcontractors under one master policy. UCI designs and administers those programs to prevent enrollment gaps, audit issues, and coverage overlaps from creating cost or claims problems.
CPCU · CRIS
Credentialed Advisors
What We Do
We work with project owners and general contractors to design wrap-up insurance programs that match the scope, schedule, and enrollment realities of large commercial projects.
Before the program is built, UCI looks at where coverage could fall short, where enrollment could break down, or where audit issues could surface at project close.
Our Approach
Our four-phase process builds an OCIP, CCIP, or non-wrap structure around the scope, schedule, contractor tiers, and contract requirements of the project ahead.
The result is a program shaped around the realities of the project, not adapted from a generic template.
01
Understand the project before recommending a structure.
UCI reviews the project scope, delivery method, contractor tiers, schedule, and any owner or lender insurance requirements. This helps determine whether an OCIP, CCIP, or non-wrap structure is the right fit and what the program needs to cover.
02
Build the program around the project, not a template.
UCI shapes the wrap-up structure to fit your project. That includes coverage scope, eligibility, excluded operations, off-wrap considerations, the relationship to builder’s risk, and how the program interacts with each enrolled contractor’s practice program.
03
Secure coverage that fits the program design.
Once the structure is set, UCI places the wrap-up program with carriers experienced in OCIP and CCIP underwriting. Coverage is layered where appropriate, with attention to limits, retention, and the carrier’s track record on wrap claims and audits.
04
Manage enrollment, audits, and claims through close-out.
UCI stays involved through the full project lifecycle. That includes subcontractor enrollment, certificate management, payroll audits, claims coordination, and the final premium reconciliation at project close.
Coverage Depth
Wrap-up insurance programs work when the structure, enrollment, and administration match the realities of the project. UCI builds programs that address the operational details where wrap-ups most often break down.
Subcontractor enrollment is where most wrap-up issues begin. Missed enrollments, late certificates, and unclear eligibility create coverage gaps that surface during claims or audits. UCI manages the enrollment process across the contractor and subcontractor tiers and tracks compliance through the life of the project.
Wrap-up programs typically sit at the primary layer. Excess and umbrella coverage layered above the wrap need to align with the master policy’s terms, exclusions, and limits. UCI builds layered coverage so the wrap, the excess, and the umbrella respond together when a claim runs above the primary limits.
Wrap-up programs are audited at project close, and the final premium reconciliation can produce significant adjustments if payroll, scope changes, and enrollment data are not tracked carefully. UCI manages the audit process from project start through close-out to keep payroll, scope changes, and enrollment activity documented as the project unfolds, which reduces surprises at the final reconciliation.
Recent Wrap-Up Engagement
Case 1
Renewables & Solar EPC
34%
Premium reduction vs expiring
$42M
Excess limit placed
11 wks
Placement cycle
Case 2
Commercial GC, Medical Office
$180M
Construction value under program
70+
Enrolled subcontractors
Zero
Gap claims to date
Case 3
Mechanical Contractor
1.32 → 0.91
EMR reduction
22%
Workers comp premium cut
18 mos
Plan duration
The Team
When you call UCI, you reach a senior advisor by name — not a routing queue. These are the people who will handle your engagement.
CRIS · MBA · Licensed P&C Agent
Senior advisor on large, complex contractor accounts with detailed insurance requirements built into their contracts. Manages a book exceeding $6M in premium.
CRIS · B.L.A.S., Arizona State
Commercial insurance specialist focused on construction and contractor risk. Works extensively with large, complex contractor accounts across multi-state operations.
Licensed P&C Broker · Construction Specialist
Property and Casualty Licensed · CRIS Certified
Client Voice
*UCI is a division of Affordable Contractors Insurance (ACI)
Start the Conversation
A risk review is a discovery call with an insurance advisor to discuss your project, the OCIP or CCIP structure under consideration, and your wrap-up insurance needs. Following the call, we’ll provide an in-depth program analysis that you can use to make informed decisions about the structure of your OCIP or CCIP.
Who We Serve
UCI works with project owners and general contractors who need wrap-up insurance programs for large or complex commercial projects. The project and buyer types most often engaged with UCI include:
Owners running capital-intensive commercial, mixed-use, or multi-family projects who want consistent coverage and centralized claims across every contractor on site.
PD
Government entities running infrastructure, transit, civic, or large public works projects where the owner wants control over coverage standards and total project insurance cost.
PA
Institutions managing campus expansions, medical facility builds, and large institutional construction where insurance consistency matters across long project timelines.
UH
GCs managing complex commercial projects who want to control coverage standards across the subcontractor tiers and coordinate claims through a single program rather than relying on individual subcontractor policies.
GO
Combined entities sharing risk on large projects with multiple parties, where a unified program reduces duplicate coverage and clarifies responsibility across the partnership.
JV
CM-at-risk and CM-led delivery on phased commercial and institutional work, where coverage continuity across phases is more important than starting over with each new phase.
CM
FAQ
An Owner-Controlled Insurance Program (OCIP) is sponsored by the project owner. The owner purchases the master policy and controls coverage terms, claims handling, and program administration across the project. OCIPs are common on large institutional, public, and developer-led projects where the owner wants centralized control over insurance. A Contractor-Controlled Insurance Program (CCIP) is sponsored by the general contractor. The GC purchases the master policy and controls coverage across the subcontractor tiers. CCIPs are common on large commercial builds where the general contractor wants consistent coverage standards and a coordinated approach to claims and safety.
No. A wrap-up program covers enrolled contractors and subcontractors for work performed on the covered project. It does not cover work performed off site, work outside the program’s scope, or operations excluded from the program. Each contractor’s own insurance still has to respond to those exposures. UCI helps contractors and project sponsors coordinate the wrap with each party’s practice insurance so coverage is consistent on the covered project and gaps are addressed for work outside the program.
Yes. Wrap-up programs are most effective when reviewed before contracts are signed, because contract language, insurance specifications, and project structure all affect how the program is designed. Reviewing the program after contracts are in place often means working around commitments that could have been structured differently. UCI works with project owners and general contractors during preconstruction and contract negotiation to identify how the wrap-up should be structured and where contract language should align with the program.
Wrap-up programs make the most sense on large or complex commercial projects where consistent coverage standards, centralized claims, and unified administration deliver more value than each contractor and subcontractor carrying separate insurance. Project size, duration, contractor count, and risk profile all factor into the decision. Not every project needs a wrap-up. UCI helps project owners and general contractors evaluate whether the structure fits the project’s scope, schedule, participants, and contracts before treating placement as the next step.
A Risk Review makes sense when your project, contract structure, contractor mix, or insurance requirements have become more complex than a standard quote process can address. For project owners and general contractors at this scale, the question is not only what the wrap-up will cost. It is whether the program is the right structure for the project, whether enrollment and administration can be managed correctly, and how the wrap will coordinate with each party’s existing insurance.
A wrap-up program covers contractors and subcontractors who are formally enrolled in the program. Enrollment is typically defined by the master policy and may be limited by project scope, contractor tier, contract value, or specific exclusions. Some contractor categories are often excluded, including hazardous materials handlers, transportation contractors, and contractors working off site. UCI manages enrollment criteria, eligibility tracking, and compliance documentation so coverage attachment is clear from project start through close-out.
Start Before the Project Does
Large commercial projects depend on coverage that is structured before the project starts and managed through close-out. Enrollment, scope, audits, claims coordination, and off-wrap exposure all need to be reviewed before the program is placed. UCI helps project owners and general contractors evaluate whether a wrap-up program is the right structure for the project and, if so, how it should be designed and administered. The result is a program built around the project, not adapted from a generic structure. A Risk Review with a UCI senior advisor is the first step.