DBH Resources, Inc. (wrapup.net) is an approved wrap-up administrator for all recognized insurance carriers. We allow you the freedom to do what you do best. Leave the rest of the insurance concerns to us. All types of builders are turning to WrapUp policies or OCIPs (Owner Controlled Insurance Program) to make sure that projects are properly protected. We help builders to take full advantage of WrapUp policies without the headache of running an insurance program. If you are a registered user, please Login below to access your project. For more information regarding wrap up insurance policies and DBH Resources' services, click here or click here for an overview of Wrap Up (OCIP) policies.

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What you need to know about Wrap-up Insurance:

• WHAT IS A WRAP-UP POLICY?

• WHAT DOES A WRAP-UP POLICY TYPICALLY COVER?

• WHAT ARE THE BENEFITS OF WRAP-UP POLICIES?

• GET THE COMPLETE FREQUENTLY ASKED QUESTIONS [PDF]

WHAT IS A WRAP-UP (OCIP) POLICY?
A wrap-up policy (also known as an Owner Controlled Insurance Policy "OCIP" or Contractor Controlled Insurance Policy "CCIP") is a single insurance policy naming all construction participants for coverage on all general liability and/or workers’ compensation risks on a given project. In addition to consolidating all insured's onto one policy, it typically provides occurrence coverage for a period of ten years from the date of completion of the project, thus eliminating the need to purchase ongoing policies for the duration of exposure to construction defect claims.

WHAT DOES A WRAP-UP POLICY TYPICALLY COVER?
A wrap-up policy (OCIP) covers general liability exposure for claims arising from the construction project. Typically, the Commercial General Liability insurance form is broadened to encompass most bodily injury or property damages arising out of the construction, regardless of how the loss happened. If workers' compensation coverage is also chosen for the policy, all job site injuries are also covered. Not all wrap-up policies automatically include workers' compensation coverage.

WHAT ARE THE BENEFITS OF WRAP-UP POLICIES?
Under the wrap-up policy (OCIP), there is no need to allocate blame for any third-party injury or property damage, since all participants are on the same policy. This allows a consolidated claims handling process between the owner and the claimant, leading to speedy and early resolution.

Traditional risk transfer strategies rely upon contractual and insurance relationships between the owner, general contractor and subcontractors. The owner seeks to have the general contractor and subcontractors indemnify and name the owner as an additional insured on the general contractor’s insurance policy. The owner must rely upon the ability of the general contractor to procure the correct insurance and to continue to procure such insurance for the duration of the exposure to construction defect risks, even after the owner and general contractor have no further business relationship.

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