Wrap Insurance for Construction Projects

Understanding Scope of Coverage and Resolving Coverage and Indemnification Disputes

Recording of a 90-minute CLE webinar with Q&A

Conducted on Wednesday, August 5, 2015

Recorded event now available

or call 1-800-926-7926
Program Materials

This CLE webinar will provide insurance and real estate counsel with an analysis of the characteristics and function of wrap insurance programs, discuss their advantages and potential pitfalls, highlight critical coverage and exclusion issues, and outline solutions to thorny issues of indemnification.


Wrap-up programs, including owner controlled insurance programs (OCIPs) and contractor controlled insurance programs (CCIPs), are designed to reduce costs on construction projects. Under most wrap-up programs, commercial general liability insurance, workers’ compensation and employers’ liability insurance, umbrella/excess liability insurance, and, in some cases, builders’ risk insurance, are provided to almost all parties to a construction project, including the owner, general contractor, and subcontractors of all tiers, under one insurance program.

Because policies included in wrap-up programs have not been subject to extensive litigation, courts have not had significant opportunities to address the unique issues presented by claims made under wrap-ups. As the use of wrap-ups gains in popularity due to, among others, the cost savings often associated with them, increased litigation is anticipated.

It is important for counsel to understand the coverage issues that can arise with wrap-ups. Additionally, coordination of wrap policy language with contractual indemnity provisions may present unexpected issues for project participants.

Listen as our authoritative panel of insurance attorneys guides you through the characteristics of wrap policies, the unique coverage issues they present, and potential pitfalls for the unwary.



  1. Advantages and risks
  2. Coverage issues
  3. Limitations and exclusions
  4. Indemnity provisions


The panel will review these and other key issues:

  • How does policy language affect coverage, and what coverage gaps could result?
  • How do wrap-ups relate to construction defect issues?
  • What coverages are typically included and which are generally excluded?
  • How are additional insured and contractual indemnification issues resolved?


Bobotek, James
James P. Bobotek

Pillsbury Winthrop Shaw Pittman

Mr. Bobotek concentrates his practice on a variety of insurance coverage, risk management and risk allocation...  |  Read More

Susan Lange Smith
Susan Lange Smith
Senior Vice President
Marsh USA

A member of the firm’s Construction and Real Estate Practices, Ms. Smith has 28 years of experience working with...  |  Read More

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