https://www.insurerbrain.com/w/index.php?action=history&feed=atom&title=Definition%3AContractor-controlled_insurance_program_%28CCIP%29 2026-06-13T17:12:47Z Revision history for this page on the wiki MediaWiki 1.43.8 https://www.insurerbrain.com/w/index.php?title=Definition:Contractor-controlled_insurance_program_(CCIP)&diff=10658&oldid=prev 2026-03-11T16:52:06Z

<p>Bot: Creating new article from JSON</p> <p><b>New page</b></p><div>🏗️ &#039;&#039;&#039;Contractor-controlled insurance program (CCIP)&#039;&#039;&#039; is a [[Definition:Wrap-up insurance program | wrap-up insurance program]] in which the general or lead contractor — rather than the project owner — procures a single, consolidated insurance program that covers all or most parties working on a construction project. Also known as a contractor-controlled wrap-up, a CCIP typically bundles [[Definition:Commercial general liability (CGL) | general liability]], [[Definition:Workers&#039; compensation insurance | workers&#039; compensation]], and often [[Definition:Excess liability insurance | excess liability]] under one master program, replacing the patchwork of individual [[Definition:Insurance policy | policies]] that each subcontractor would otherwise carry.<br /> <br /> ⚙️ Under a CCIP, the general contractor purchases the program and enrolls eligible subcontractors, who in turn are expected to exclude the covered project from their own [[Definition:Insurance policy | policies]] and credit back the corresponding [[Definition:Premium | premium]] — often called an &quot;insurance credit&quot; — through a reduction in their bid price. The program&#039;s [[Definition:Underwriting | underwriting]] is typically handled by a [[Definition:Insurance carrier | carrier]] or group of carriers experienced in construction risks, with the contractor&#039;s [[Definition:Insurance broker | broker]] coordinating enrollment, [[Definition:Certificate of insurance (COI) | certificates]], and [[Definition:Claims management | claims administration]]. [[Definition:Loss control | Loss control]] and safety programs are centralized, giving the contractor direct oversight of job-site risk management rather than relying on each subcontractor&#039;s varying safety standards.<br /> <br /> 📊 The strategic appeal of a CCIP lies in the contractor&#039;s ability to leverage its purchasing power, negotiate broader [[Definition:Coverage | coverage]] terms, and maintain tighter control over the project&#039;s overall [[Definition:Loss experience | loss experience]]. Lower aggregate [[Definition:Premium | premiums]], reduced litigation among project participants through cross-liability waivers, and cleaner [[Definition:Claim | claims]] data are frequently cited benefits. However, administering a CCIP demands significant resources — enrollment auditing, premium allocation, and gap-in-coverage analysis all require specialized expertise. Projects that are too small or too short in duration may not justify the administrative overhead, which is why CCIPs are most common on large-scale commercial, infrastructure, or industrial construction programs.<br /> <br /> &#039;&#039;&#039;Related concepts:&#039;&#039;&#039;<br /> {{Div col|colwidth=20em}}<br /> * [[Definition:Wrap-up insurance program]]<br /> * [[Definition:Owner-controlled insurance program (OCIP)]]<br /> * [[Definition:Commercial general liability (CGL)]]<br /> * [[Definition:Workers&#039; compensation insurance]]<br /> * [[Definition:Contractor insurance]]<br /> * [[Definition:Loss control]]<br /> {{Div col end}}</div>

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