OCIP vs CCIP — What Florida Contractors Need to Know

An OCIP (Owner Controlled Insurance Program) is purchased by the project owner — typically a government agency, developer, or large corporation — to cover all contractors and subcontractors working on a specific project. A CCIP (Contractor Controlled Insurance Program) is purchased by the general contractor to cover themselves and their enrolled subcontractors. Both are "wrap-up" programs that consolidate insurance for a single project under one policy. The key difference is who buys and controls the program: the owner (OCIP) or the GC (CCIP).

If you are enrolled in an OCIP or CCIP for a specific project, you are covered by the wrap-up policy for that project — you do not need to carry your own workers comp for work performed on that enrolled project. However, you still need your own workers comp policy for all other projects not covered by the wrap-up. Most OCIP/CCIP programs require you to exclude the enrolled project from your own policy (called a "wrap-up exclusion") and provide a certificate showing the exclusion.

A wrap-up exclusion endorsement (also called a OCIP/CCIP exclusion) is added to your own workers comp and general liability policies to exclude a specific project that is covered under a wrap-up program. This prevents double coverage and reduces your own premium for that project. When you are enrolled in an OCIP or CCIP, the program administrator will typically require you to provide a certificate showing the wrap-up exclusion on your own policy.

If you are enrolled in an OCIP or CCIP for a specific project, your COI for that project comes from the wrap-up program administrator — not from your own carrier. However, you still need your own workers comp policy (with the wrap-up exclusion) for all other work. Comp Ninjas can provide your base workers comp policy with the appropriate wrap-up exclusion endorsement, plus a same-day COI for all non-enrolled projects.

Yes. OCIP programs are common on large Florida public projects — FDOT highway projects, school district construction, hospital expansions, and municipal facilities. CCIP programs are common on large private commercial projects. Florida Statute 627.0625 governs wrap-up insurance programs in the state. If you work on large commercial or public projects in Florida, you will likely encounter OCIP or CCIP requirements.

If you perform work on a project covered by an OCIP or CCIP but are not enrolled, you are not covered by the wrap-up policy. Any claims would fall on your own workers comp and liability policies. This is a significant risk — and a common source of disputes. Always verify your enrollment status with the program administrator before starting work on a project that uses a wrap-up program.

When you are enrolled in an OCIP or CCIP for a project, you exclude that project's payroll from your own workers comp policy. This reduces your own premium for that policy year. However, you also lose the premium credit for that project — the wrap-up program is paying for coverage that you would otherwise pay for yourself. The net financial impact depends on the size of the project relative to your total payroll.

A wrap-up program (OCIP or CCIP) covers a specific project — it is project-specific insurance that ends when the project is complete. A PEO workers comp program covers your entire workforce across all projects on an ongoing basis. They serve different purposes: wrap-ups are for large single projects, PEO workers comp is for your day-to-day coverage. Many contractors use both — a PEO for their base coverage and wrap-up enrollment for specific large projects.