Wrap-Up Liability Insurance in Canada: One Policy for Your Entire Project Team
Comprehensive Project Coverage for Construction Teams
A single liability policy covering all contractors, subcontractors, and consultants on your project. OCIP (owner-controlled) and CCIP (contractor-controlled) programs available.
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What Is Wrap-Up Liability Insurance?
Wrap-Up Liability Insurance is a single policy that provides third-party liability coverage for all contractors, subcontractors, and project stakeholders involved in a construction project.
Unlike traditional insurance, where each contractor carries their own CGL policy, a wrap-up consolidates coverage to:
Eliminate coverage gaps between parties
Simplify claims management
Reduce overall insurance costs
Meet project-specific insurance requirements
Wrap-Up Insurance is often required on larger commercial, industrial, and infrastructure projects across Canada.
Who Should Consider Wrap-Up Liability Insurance?
Wrap-Up Insurance is typically recommended for:
General contractors managing multi-million dollar projects
Project owners, developers, and construction managers
Public-private partnership (P3) projects
High-rise residential or commercial builds
Municipal, healthcare, education, and infrastructure projects
Wrap-Up programs can be either Owner-Controlled (OCIP) or Contractor-Controlled (CCIP), depending on who purchases and manages the coverage.
If your project involves multiple layers of subcontractors, or has a high total construction value, Wrap-Up Liability Insurance may be critical.
What Does a Wrap-Up Liability Policy Cover?
What Does a Wrap-Up Liability Policy Cover? A Canadian Wrap-Up Liability policy typically includes:
Bodily Injury Claims
Injuries to third parties on or near the project site.
Property Damage
Damage caused to neighboring properties during construction.
Completed Operations
Protection against claims arising after the project is finished.
Cross-Liability Coverage
Covers legal claims between parties insured under the same wrap-up policy.
Third-Party Legal Defense Costs
Covers legal expenses even if a claim is groundless.
Optional coverages often include:
Pollution Liability
Professional Liability (for design-build projects)
Tenant Legal Liability
Non-Owned Automobile Liability
Benefits of Wrap-Up Liability for Canadian Construction Projects
Simplified Risk Management
One coordinated insurance program for all project participants.
Cost Efficiency
Bulk buying reduces overall insurance costs compared to individual contractor policies.
Claims Certainty:
No confusion over whose insurer is responsible if something goes wrong.
Compliance
Meets the insurance requirements of public, private, and P3 construction projects.
Peace of Mind
Protects the entire construction team from site preparation through project completion.
Build smarter. Build stronger. Protect your construction project across Canada with expert Wrap-Up Liability solutions.
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Frequently Asked Questions (FAQ)
Is Wrap-Up Liability Insurance required in Canada?
It’s not legally mandated, but many government contracts, public-private partnerships, and major developers require Wrap-Up Liability Insurance before work begins.
How much does Wrap-Up Insurance cost?
Pricing depends on total construction value, project duration, and risk factors. Policies typically cost between 0.5% to 2% of the total construction value for projects in Canada.
When should I purchase Wrap-Up Insurance?
Coverage should be secured before construction starts. Retroactive coverage is difficult and may leave gaps if purchased after work has already begun.
Does Wrap-Up Insurance replace individual contractor policies?
It covers project-specific liabilities, but individual contractors may still require their own CGL policies for work performed outside the scope of the project.
What’s the difference between Owner-Controlled Insurance Programs (OCIP) and Contractor-Controlled Insurance Programs (CCIP)?
OCIP is purchased and managed by the project owner. CCIP is purchased and managed by the general contractor. Both ensure unified coverage for everyone involved.
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