Request Quote

Construction projects typically involve multiple layers of participants.  A developer (or owner) hires a general contractor (GC).  In turn, the GC hires a collection of subcontractors.  As projects grow, sometimes subcontractors even hire additional specialists to support them.  This leads to a cascade of companies, each contributing their own work to an overall project. From an insurance standpoint, managing these multiple layers can become increasingly challenging as projects grow in complexity.  In a standard project, each contracted company should bring their own insurance coverage.  Whether it is an electrician, plumber, or carpenter, each company should have its own set of insurance policies including general liability, auto liability, workers compensation, and other relevant policies that may include professional, environmental, and others.  It is typically the job of the general contractor to vet each subcontractor and all their insurance policies.  Dates and policies must be tracked.  Special clauses such as “additional insured” wording and waivers of subrogation must be verified.  As the layers grow, this can be a gargantuan task. In large-scale construction projects, there needs to be an easier way to manage risk.  This is where Owner-Controlled Insurance Programs (OCIPs) and Contractor-Controlled Insurance Programs (OCIPs) come in. What Are CCIPs and OCIPs? Owner-Controlled Insurance Program (OCIP) Contractor-Controlled Insurance Program (CCIP) In an OCIP or CCIP, a master insurance policy is purchased for the entire project site by either the owner (OCIP) or contractor (CCIP).   Every subcontractor that walks onto the project site is automatically covered by the master policy while they are on the project site.  The master policy trumps the subcontractor’s own insurance policies and provides the primary coverage.  OCIPs and CCIPs contain a combination of general liability, auto liability, workers’ compensation, builders’ risk, and other coverages. While on an OCIP or CCIP controlled project, the insurance policies of the subcontractor typically don’t apply, and you’ll often find specific exclusions in a contractor’s policy if they are working on an OCIP/CCIP location.  The only real distinction of an OCIP or CCIP is whether the policy is controlled by an owner or general contractor. Key Advantages of OCIPs and CCIPs for Large Projects Cost Savings Through Bulk Purchasing One of the most compelling benefits of OCIPs and CCIPs is the ability to aggregate the insurance needs of all stakeholders under a single, centralized policy. This consolidated approach can reduce overall premiums by leveraging bulk purchasing power.  Since the OCIP/CCIP replaces the subcontractor’s insurance, they should remove their cost of insurance from their bids, essentially transferring the cost of insurance straight to the GC. Streamlined Claims Management Construction projects are often fraught with unforeseen circumstances that can lead to claims. Managing multiple claims across different insurance policies can create administrative inefficiencies and delays. CCIPs and OCIPs streamline this process by centralizing claims handling under one policy, allowing for quicker resolution and consistent oversight. Unified Coverage Across the Project These policies allow the Owner or General Contractor to dictate the coverage of the master policy such that there aren’t gaps created by varying types of policies

Insurance

Understanding CCIPs and OCIPs: A Strategic Approach to Managing Risk in Large Construction Projects

Construction projects typically involve multiple layers of participants.  A developer (or owner) hires a general contractor (GC).  In turn, the GC hires a collection of subcontractors.  As projects grow, sometimes subcontractors even hire additional specialists to support them.  This leads to a cascade of companies, each contributing their own work to an overall project. From … Read more

April 12, 2025

Blog - Expanding HQ

Mt. Franklin Insurance Expands El Paso Headquarters

Growing to Serve You Better – Locally-Owned, Locally-Operated We are excited to share a significant milestone in our journey—expanding our headquarters located in El Paso, Texas at 1444 Montana Ave. This growth reflects our commitment to providing exceptional, local service to our clients while supporting our expanding team and operations. For years, we have proudly … Read more

March 27, 2025

Why Offering Health Benefits is a Wise Business Decision in 2025

After working with thousands of businesses, I’ve seen firsthand how a well-structured employee health benefits package can significantly impact a company’s bottom line and reputation. In today’s competitive landscape, offering health benefits is no longer just a nice-to-have; it’s a necessity.  Every business I meet with tells me about the importance of having a great … Read more

November 3, 2024

Short Term Rental coverage

Navigating an Insurance Minefield: Protecting Your Short-Term Rental

Amongst the many gripes that exist about the Insurance Industry, its glacially slow response to changes in our economy ranks high. The capital markets quickly veer to accommodate new products and processes.  However, the ability for insurance carriers to model products and forecast losses, so they can create premiums always lags. Within the modern “gig” … Read more

September 1, 2024

Water Damage – Are You Covered?

“Am I covered if water gets in my house?” is a common question I get from homeowners who are purchasing insurance.  As in most situations with insurance, the answer is “It depends.”  There are multiple different sources of water and, although each can be insured, a combination of policies are required to ensure all forms … Read more

August 8, 2022

Contractor Pitfalls Around Insurance

There exist several key pitfalls that contractors can easily fall into with insurance. While most contractors are focusing on supply chain issues and labor challenges, there continue to be missed opportunities regarding contractor’s insurance.  Contractors, as an industry, continue to be battered by “new” challenges:  COVID-19 issues, supply chain disruption, and now inflation.  However, insurance … Read more

July 7, 2022

Loss of Business Income, Maintaining Business Continuity & Continuing a Business After a Major Loss

When I consult with clients about their business insurance, we typically review two main categories of insurance: 1) Protection in case they injure someone else, and must compensate them, and 2) protection of your own assets in case they are damaged/destroyed. In terms of the second category, businesses need to ensure their policies protect their … Read more

June 5, 2022

Ask the Professionals – Apr 3

Take a look at”Ask the Professionals” this month our principal, Shane Lipson, provides interesting information about Workers Compensation Insurance. Bernie del Hierro Vice President / Escrow Officer Lone Star Title Question: Why is title insurance important? When you purchase real property, title insurance protects you against defects or claims for past occurrences! Any tips on … Read more

April 5, 2022

Ask the professionals- Mar 7

Ask the professionals  We invite you to take a look at our monthly “Ask the Professionals” session where we’ll be talking about our commercial auto. Our agency principal, Shane Lipson, along with Jimmy Garza of Jimmy Garza Emergency Water Disposal, Thomas B. Goldfarb of Goldfarb Financial and Bernie del Hierro of Lone Star Title Company … Read more

March 7, 2022

Ask the professionals

  Ask the professionals  Do not be left wondering…… join us in the El Paso Inc. this month as our agency principal, Shane Lipson, along with Jimmy Garza of Jimmy Garza emergency water removal, Thomas B. Goldfarb of Goldfarb Financial and Bernie del Hierro of Lone Star Title Company answer some very important questions.   … Read more

February 7, 2022

Insurance Solutions

Personal Insurance
Business Insurance
Insurance by Industry
Employee Benefits
Commercial Bonds

About Mt. Franklin Insurance

About Our Agency
Join Our Team
Read Our Reviews
Insurance Companies
We Are Independent

Get Help

Pay Bill
Request a Certificate
Policy Review
Contact
Web Accessibility

Find Your Nearest Office

El Paso, TX

915-599-2900

San Antonio, TX

830-360-8660

info@mtfranklin.com

Find a Location

Dedicated to Your Protection

Our founding mission is to deliver clients clarity of services unmatched by any other agency in El Paso or Las Cruces. It forms the cornerstone of how we view our partnership with you and serves as the basis of every action we take on your behalf. This mission is built upon the pillars of unmatched experience, local service and values, unparalleled access to carriers, and planning for you all year long.

© 2025 Mt. Franklin Insurance | All rights reserved | Privacy Policy

Get in touch with our friendly agents today!

Get a Quote! Call Us