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Consolidated Insurance Programs

Zurich is a leading provider of consolidated insurance programs (CIPs or “wrap-ups”) supporting owners and general contractors.

A wrap-up is a consolidated insurance program (CIP) purchased by an owner or general contractor (known as the sponsor) to manage insurance coverage, costs and services for large, multi-year construction projects or a group of projects. It is an effective risk management product, providing workers’ compensation and commercial general liability coverage for all enrolled contractors and subcontractors performing work on a specific project.

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Wrap-ups provide the following benefits:

  • Consistency of coverage for all enrolled contractors and subcontractors, eliminating the potential for coverage gaps
  • Stable rates and benefit of economies of scale yielding competitive pricing
  • Coverage for duration of project, including statute of repose
  • Control of safety plan throughout the project(s)
  • Reduced potential for litigation
  • Efficiencies in claims, administration and support services

Types of Zurich wrap-up programs include:

  • Contractor-Consolidated Insurance Program (CCIP) or Rolling Contractor-Consolidated Insurance Program (RCCIP) for general contractors
  • Owner-Consolidated Insurance Program (OCIP) or Rolling Owner-Consolidated Insurance Program (ROCIP) for project owners
  • Single or multi-site programs (rolling programs)
  • Maintenance wrap-ups
  • Programs for public, private, public-private partnerships (P3) and joint ventures

Wrap-up projects can be complex, but Zurich helps ensure comprehensive risk management coverage for all aspects of a construction project, including:

  • Workers’ compensation and employers’ liability (injury to employees)
  • Commercial general liability (injury to third parties or third-party property damage)
  • Excess - lead or ventilated umbrella liability
  • Builders risk (provides first-party property damage coverage to property that will become a permanent part of the project)
  • Professional Liability (provides liability coverage arising out of architect, design and engineering errors)
    • Contractors’ Professional and Protective Indemnity (CPPI)
    • Owners’ Professional and Protective Indemnity (OPPI)
  • Contractors’ Pollution Liability (helps provide coverage from environmental impacts)

In addition to comprehensive coverage and competitive pricing, Zurich offers service support for wrap-up programs in the following areas:

  • Claims management
  • Risk Engineering
  • Internet of Things (“IoT”) technology
  • Administrative services

Zurich’s consistent commitment to the North American construction industry, combined with our expansive experience and broad service capabilities, positions us to be your partner of choice for your next wrap-up.

Please contact your Zurich Underwriter to learn more.