The Wrap-Up Guide

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The Wrap-Up Guide

Product type: 1 Year Subscription

Publication Date(s): 1990, 1993, 1995, 2000, 2006, 2018

Part of: Books Package

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Implementing a wrap-up or controlled insurance program (CIP) for construction projects is now a common approach for improving project safety, reducing the cost of risk, and ensuring all contractors are covered under a broad liability insurance program.

The Wrap-Up Guide is your go-to resource and will walk you through everything you need to know about designing, implementing, and administering a CIP. 

Nearly double in size, this expanded resource is a top-to-bottom rewrite that gives you a practical, step-by-step road map for sponsoring a CIP. Formatted as “how-to” guide, the format now follows the chronological order of a CIP implementation timeline making it even easier for you to use.

In addition, CIP participants will find valuable insight that addresses how to make sure the program is structured with a partnership approach that emphasizes fairness to all parties. Fifteen construction risk and insurance professionals contributed to the guide, providing a balanced treatment of the perspectives of both wrap-up sponsors and contractor participants.

The retooled Wrap Up Guide also addresses dramatic changes in the world of CIPs, such as accelerated use of general liability only programs in commercial and residential projects. You'll also get insight into in the use of CIPs for workers compensation only, pricing of coverage, and market availability.

Exclusively with the online version, you'll receive an additional appendix with state-specific wrap-up information. This summary of current state-specific statutory and regulatory information will be updated annually and you'll automatically receive the new content with your subscription.

Additional updated content includes numerous activity checklists, videos, helpful diagrams, and expanded exhibits. You'll find new chapters addressing contractor insurance costs, structuring a CIP and marketing the project to underwriters, and the process of setting up a CIP, as well as an expanded discussion of potential pitfalls and problems with CIPs.

The Wrap-Up Guide covers these topics and more!

  • Online Exclusive: State-Specific Wrap-Up Information
  • Wrap-Up Usage and Terminology
  • Benefits of a CIP
  • OCIP vs. CCIP Issues
  • Wrap-Up Dos and Don'ts
  • Issues Important to CIP Participants
  • Feasibility Study of Wrap-Ups
  • Qualification and Selection of Service Providers
  • Bid Documents
  • Insurance Cost Tracking
  • Insurance Program Design
  • Rating and Risk Financing Structures
  • CIP Insurance Manual
  • Risk Control
  • Administration
  • Maintenance of Wrap-Ups

Download Table of Contents

Agents, Brokers, Consultants for Prospective CIP Sponsors, Administrators

  • Provides information to help advise owners and general contractors on CIP feasibility
  • Enables the provision of practical advice to contractor clients about common wrap-up problem areas and on how to negotiate terms that will minimize problems
  • Provides guidelines on how wrap-ups should be administered.
  • Can be used to provide training for new administrators
  • Includes a checklist that can be used with contractor-clients to help assess a CIP and potentially eliminate coverage gaps
  • Offers tips on how to get contractor/subcontractor buy-in

Project Owners, Project Sponsors, Risk Managers, and Financial Executives

  • Provides information about the CIP concept
  • Provides information about conducting a CIP feasibility analysis
  • Enables the evaluation of pros and cons of the various ways to identify, remove, deduct or track contractor insurance costs and determine which approach fits the project
  • Describes strategies for positively impacting the success of a wrap-up
  • Provides guidelines for preparing wrap-up manuals and other important documents
  • Offers practical advice about how to administer a successful wrap-up
  • Explains the essential coverages needed for a wrap-up and provides helpful suggestions for choosing appropriate policy limits


  • Presents information about CIPs from a sponsor point of view
  • Provides information about assessing sponsor feasibility
  • Offers details about wrap-up administration processes and how they dovetail with or facilitate insurance company procedures
  • Helps underwriters understand issues affecting participating contractors and how to reduce or eliminate them.


  • Provides a basic framework for understanding CIP concepts
  • Offers a grounding in some insurance concepts relevant to CIP projects and ways they differ from traditional insurance programs
  • Discusses some custom and practice issues in CIP structure and administration

CIP Contractor Participants and their Agents, Brokers, Consultants

  • Provides a basic framework for understanding CIP concepts
  • Provides a checklist and guidance on items to consider before participating in a CIP
  • Provides advice on negotiating participation terms and coverage
  • Discusses ways to protect participant interests throughout the CIP process
  • Presents ideas for mitigating risk and administrative burden for participants
  • Provides a checklist for tracking involvement in multiple CIPs

Exclusively with the online version, you'll get access to video content including the popular session from the IRMI Construction Risk Conference, OCIP vx. CCIP Debate - Making an Informed Decision. You'll learn the advantages and disadvantages of an owner controlled insurance program (OCIP) versus a contractor controlled insurance program (CCIP) and the risk management controls that should be in place in either type of program. Applicable to both a combined workers comp and general liability (GL) wrap-up or a GL-only wrap-up, you will gain a better grasp of the issues to consider and options for funding the wrap-up.

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Your purchase of an IRMI reference product includes a complimentary subscription to The Electronic Owl e-newsletter. You'll receive a monthly update with links to new content and tips on how to get the most from your IRMI resources.

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Your purchase of the online version of The Wrap-Up Guide comes with a digital copy of the Contractor's Guide to CIPs—a handy reference that provides guidance on 38 issues contractors should consider when accepting coverage through a wrap-up or controlled insurance program.

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In addition, you will also get a copy of Inherent Coverage Issues in Controlled Insurance Programs. This discusses coverage issues emanating from wrap-up insurance programs such as eligible participants, exclusions, duration of coverage, limits, deductibles, subrogation, and more. Samples of policy language and wrap-up manual provisions are provided to demonstrate the problems, as well as potential solutions, and caselaw on relevant issues is also examined. Templates to assist those charged with designing, implementing, and reviewing are also provided.