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The difference between OCP and OCIP
Last Updated:  08/29/2022

123ocp offers products that are required by contract, if the Owner or Contractor make them contractual obligations within the Insurance Clause of a construction contract.  These products can include OCP, or Owners and Contractors Protective Liability; RRP or RRPL, Railroad Protective Liability; CPL, Contractors Pollution Liability; and possibly Builder's Risk.  When your contractor is bidding a job, all four of these products can be quoted and bound within minutes on

Some confusion has arisen between OCP and OCIP, which are two entirely different Insurance Coverage Products.  OCP coverage as mentioned above is Owners and Contractors Protective Liability coverage.  This insurance product is purchased by the contractor doing the work for either the job Owner, or General Contractor.  The Owner or Contractor are the Named Insured on the Policy.  The policy protects the Named Insured for Bodily Inury or Property Damage arising out of operations performed for the Named Insured by the Designated Contractor at the project location specified in the declarations.  There is no Products or Completed Operations Coverage component associated with an OCP policy.

OCIP stands for Owner Controlled Insurance Program.  This type of coverage more commonly called Wrap Up Policies are designed to roll all General Liability coverage and commonly Workers' Compensation into one insurance program for all contractors on a particular construction project.  They can be purchased by the Owner, OCIP;  or the Contractor, CCIP.  Within this program the Owner/General Contractor, along with the subcontractors, are afforded General Liability coverage, which includes Products and Completed operations coverage.