What is an OCP insurance policy?

Who it covers: the project owner, or ‘named insured’ from liability. Although the named contractor buys an OCP, they don’t receive coverage from it.

What it covers: Bodily injury and property damage that can result from the project owner's vicarious liability in connection with the contractor's work, or the project owner's acts or omissions in connection with the general supervision of the contractor.

What it doesn’t cover: Claims due to the project owner’s negligence. However, the policy can help cover this kind of claim if it’s related to the acts of “general supervision” of the contractor.

Jobsite and Policy Period: The coverage is project-specific, and the policy period spans from the project start to end date.

Limits: Typically $1M / $2M is requested though additional limits are available on a case-by-case basis for an additional premium charge.

Underwriting Considerations

  • Signed and completed OCP application
  • Must be construction related
  • CGL limits for the contractor must be at least $1M / $2M and total limits carried (CGL + Excess/Umbrella) must be greater than or equal to the total limits requested.
  • Single projects only

Automatic Declinations

Work or operations involving any of the following exposures will not be considered:

  • NY based projects
  • Use of explosives or fireworks
  • Use of asbestos
  • Underground construction such as subways or mines
  • Work in existing: refineries, chemical plants, mills, or grain elevators
  • Hazardous chemicals
  • Remodeling/renovation in habitational building
  • Residential projects
  • Oil field operations
  • Under water construction (including boats and floating platforms)

Related Products

This coverage is often bought together with Railroad Protective Liability.