Horst Insurance

OCIP vs. CCIP: What You Need to Know About Wrap-Up Insurance Programs

Wrap-up insurance programs can simplify coverage and improve coordination on construction projects—but understanding how they work is critical.

🔹 OCIPs (Owner-Controlled Insurance Programs)
The project owner manages the insurance, giving them greater control over coverage, claims, and cost efficiency. This approach is commonly used on large, single-site projects.

🔹 CCIPs (Contractor-Controlled Insurance Programs)
The general contractor sponsors and administers the program, often across multiple projects. CCIPs are ideal when owners prefer not to manage insurance directly.

💡 Key Considerations:
✔️ Completed operations coverage—how long are you protected after the project ends?
✔️ Coverage gaps—wrap-ups typically exclude auto, professional liability, and off-site work
✔️ Bid credits—subcontractors must remove covered insurance costs from bids
✔️ Program details—always review the insurance manual before work begins

No matter your role, understanding what is—and isn’t—covered can prevent costly surprises down the road.

✅ A well-structured wrap-up program can reduce risk, improve consistency, and drive efficiency—but only with the right planning and guidance.

📩 Have questions about wrap-up programs? The team at Horst Insurance is here to help.

https://horstinsurance.com/owner-controlled-insurance-programs-ocips/

⛳️ The Columbia Montour Chamber of Commerce’s annual golf tournament was held on Thursday, May 21, 2026, at Berwick Golf Club!

Horst Insurance was proud to participate and sponsor the event as the Refreshment & Beverage Sponsor. Two of our Commercial Insurance Account Executives, Brett Glowatski and Evan Horst, enjoyed hitting the course in the 4-person scramble.

https://horstinsurance.com/
https://www.columbiamontourchamber.com/

Searching for the right auto insurance? 🚗

Look no further than Horst Insurance—we’re here to help you hit the road with confidence.

🌐 https://www.horstinsurance.com/

Don’t miss the buzz! 🐝✨
Come “bee” a client of Horst Insurance and see the difference.

🌐 www.horstinsurance.com

Thinking about getting your ducks in a row with your personal insurance? Give the Personal Insurance Team at Horst Insurance a call today! 717-560-1919

Time really does fly. When was the last time you had a review of your insurance coverage? Schedule a time with the professionals at Horst Insurance. We are happy to help protect what matters to you.

https://horstinsurance.com/personal-insurance/

When businesses think about EPLI, they often focus on claims brought by employees. But today, employment‑related risks extend far beyond the workforce.

Customers, vendors, and members of the public are increasingly filing harassment and discrimination claims—and many organizations are unaware these risks may not be covered under standard policies.

Our latest article explores third‑party EPLI coverage, why these claims are becoming more common, and how the right coverage can help protect your business from financial and reputational harm.

👉 Read more and see if your coverage leaves gaps. https://horstinsurance.com/third-party-epli-coverage-protecting-your-business-from-hidden-employment-risks/