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controlled insurance program (CIP)

A controlled insurance program (CIP) is where one party procures insurance on behalf of all (or most) parties performing work on a construction project or on a specific site.

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The coverages provided under a CIP vary based on the goals of the program. If the primary driver of the program is cost savings, it will almost certainly include workers compensation and general liability. If consistency of coverage is the primary driver, a general liability only wrap-up is common, including both primary and excess layers. Professional liability and pollution liability are also sometimes included in a wrap-up.