Wrap-Up
Liability
Consolidated general liability and workers' compensation for multi-stakeholder construction projects. One policy covering the owner, GC, and all enrolled subcontractors — eliminating coverage gaps and reducing total project insurance costs.
The AI / Modern Angle
Large construction projects now involve dozens of subcontractors, each bringing their own technology systems — autonomous equipment, AI-scheduled workflows, drone inspections, and digital twin models. When these systems interact, the liability chain becomes extraordinarily complex. Who is responsible when an AI scheduling system causes a crane operator and an autonomous concrete pourer to occupy the same space? Traditional wrap-up programs don't contemplate technology-driven interactions between trades. Our AI-enhanced wrap-up policies include automated subcontractor risk scoring, real-time safety compliance monitoring, and predictive incident analytics that reduce claims frequency while ensuring comprehensive coverage for every enrolled party.
Core Coverage Points
General Liability (OCIP/CCIP)
Owner-controlled or contractor-controlled insurance programs covering all enrolled parties for bodily injury and property damage on site.
Workers' Compensation
Consolidated workers' comp for all enrolled contractors, with AI-powered safety monitoring to reduce incident rates.
Excess Liability
Umbrella coverage above primary limits to protect against catastrophic losses on large-scale projects.
Completed Operations
Extended coverage for liability arising after project completion, protecting against latent defect claims for up to 10 years.
One Policy.
Every Stakeholder. Zero Gaps.
Wrap-up programs consolidate insurance across all project participants into a single, comprehensive policy. This eliminates coverage gaps between subcontractors, reduces total project insurance costs by 10–20%, and provides centralized claims management.
Our AI-powered enrollment platform streamlines subcontractor onboarding, automates certificate tracking, and provides real-time compliance dashboards for project managers.
"Managing insurance for 47 subcontractors was a nightmare until Ocean Falls' wrap-up program. Their AI enrollment platform cut our admin time by 80% and saved the project $1.2M in insurance costs."