What is an OCIP/CCIP? (Plain English)
What is a "Wrap-Up" Program?
A Wrap-Up is a consolidated insurance program where one party (the Owner or GC) provides insurance coverage for all contractors working on a project. Instead of every contractor bringing their own insurance, it's all "wrapped up" into one program.
Think of it like this:
Imagine you're going to a potluck dinner. Normally, everyone brings their own dish (their own insurance). But sometimes the host says "Don't bring anything—I'm providing all the food" (the owner or GC provides all the insurance). That's a wrap-up program.
OCIP = Owner Controlled Insurance Program (the Owner is the "host")
CCIP = Contractor Controlled Insurance Program (the GC is the "host")
Since they're covering our insurance on that job, we give them a credit (deduction) in our bid price. We're basically saying "Here's what we would have spent on insurance for this job—take it off our price since you're covering it."
⚠️ Important: The calculator applies our EMR and Large Deductible Factor to give you the true adjusted rate. Using manual rates without these adjustments would give away money to the GC.
Who Does What? (By Department)
đź“Š Sales / Estimating Team
When: During bidding
đź“ť Contracts Team
When: After we win the job
- Confirm the contract actually requires OCIP/CCIP
- Flag the project as a wrap-up job
- Hand off project details to Risk Management for enrollment
Contact: contracts@udhgroup.com
🛡️ Risk Management Team
When: After contract handoff
- Complete the wrap enrollment (submit our info to their program)
- Get the Certificate of Coverage once we're enrolled
- Track all wrap projects for audits
- Answer questions about deductions, rates, or anything insurance
Contacts:
wrap.enrollment@myfbm.com | 657-472-1661
Rose Picco, Risk Management Admin — rose_picco@udhg.com
Daniel Raxa, Director of Risk Management — daniel.raxa@myfbm.com
Step-by-Step Process
1 Identify if it's a Wrap Job
Check the bid documents or ask the GC. If they mention "OCIP," "CCIP," or "wrap-up insurance," it's a wrap job.
Also figure out:
- Is this UDHG or FBM? (FBM = supply only, no install)
- Are we self-installing, using subs, or delivery only?
- What state is the project in?
2 Calculate the Deduction
Use the Insurance Cost Worksheet Calculator. Enter your project details and get the credit amount.
Remember: Use labor COST (payroll), not labor SELL. Using sell price gives away our profit.
The calculator automatically applies:
- Experience Modifier (EMR) by state
- Large Deductible Factor (LDF)
3 Apply the Deduction to Your Bid
Subtract the total deduction from your bid price. Note it clearly per the bid requirements.
4 Win the Job → Contracts Reviews
Contracts confirms the wrap requirement and hands off to Risk Management.
5 Risk Management Enrolls the Project
We submit our company info to the wrap program and get a Certificate of Coverage.
6 Track Payroll Hours (Self-Install Only)
Project Managers: Track your labor hours! We need this for audits and to get money back.
⚠️ Don't skip steps! Missing enrollment can cost tens of thousands of dollars or leave us uninsured. When in doubt, email Risk Management.
How to Request a Certificate of Insurance (COI)
What's a COI? A Certificate of Insurance is a document proving we have insurance. Customers, GCs, and landlords often require one before we can do work or access a jobsite.
Option 1: Use the COI Request Form (Recommended)
Submit requests and search existing COIs through Origami RMIS:
Open COI Search & Request Form →
Option 2: Email Request
Fill out the form below and we'll generate an email you can send to Lockton:
Email Preview
Send to: SECertSpeed@lockton.com
CC: COI@myfbm.com
Don't forget: Attach the insurance requirements from the contract!
Important Rules for COI Requests
- Always include "UDHG" in the subject line
- Include the UDHG project number if you have one
- Attach the insurance requirements section from the contract
- Don't change the subject line after Lockton assigns a Request ID
- Don't reply to old threads for new requests—start a new email
COI Problems or Rejections?
Forward the full email thread with the rejection reason to:
- owen.houck@lockton.com
- Rose_picco@udhg.com
- Auri.derer@udhgroup.com
- daniel.raxa@myfbm.com
Frequently Asked Questions
What's the difference between an OCIP and a CCIP?
Both are "wrap-up" insurance programs. OCIP = Owner controls it. CCIP = General Contractor controls it. Either way, they provide the insurance and we give them a credit in our bid.
How do I know if a project is a wrap job?
Check the bid documents or ask the GC. If they mention "OCIP," "CCIP," "wrap-up insurance," or ask for an insurance deduction, it's a wrap job.
What's the difference between UDHG and FBM on wrap projects?
FBM is supply-only—no installation, no labor exposure. UDHG may include installation work, which means we could have workers' comp exposure depending on the scope.
Should I use labor cost or labor sell for the WC calculation?
Always use labor cost (payroll). Never labor sell. Insurance is based on exposure, not what we charge. Using sell price gives away our profit to the GC.
What if we're subcontracting the install or it's delivery-only?
Select "Subcontracted" or "None" in the calculator. WC will be $0 because that exposure belongs to the sub or doesn't exist.
Which states is UDHG approved for self-install?
AZ, CO, FL, MD, MI, NJ, NY, PA, and TX. If you've got a self-install project in another state, contact Risk Management before bidding.
Why does the calculator show a lower deduction than the manual rate?
The calculator applies our Experience Modifier (EMR) and Large Deductible Factor (LDF). These reduce our actual insurance costs, so our deduction should be lower. Using the manual rate would give away money to the GC.
What information does the wrap admin need for enrollment?
W-9, company tax ID, NCCI ID, current EMR (varies by state), rate pages for GL/Umbrella/WC, project name, contract value, scope of work, and jobsite address. Risk Management has all this on file.
Who handles enrollment?
Risk Management. Once Contracts confirms it's a wrap job, they hand it off to Risk Management for enrollment. Contact: wrap.enrollment@myfbm.com
Enrollment Information
Need company information for enrollment? Contact Risk Management for W-9s, tax IDs, NCCI IDs, EMRs, and rate pages. We maintain this information internally and provide it as needed for wrap enrollments.
What Wrap Admins Typically Request
- W-9 (for UDHG or FBM depending on contract)
- Company Tax ID
- NCCI ID
- Current EMR (varies by state)
- Rate pages for GL, Umbrella, and WC by state
- Project name, contract value, scope of work
- Jobsite address
Good news: Risk Management has all this information on file. Just let us know the project details and we'll handle the enrollment paperwork.
Primary Contacts
| Contact |
Role |
Email / Phone |
| Rose Picco |
Risk Management Admin |
rose_picco@udhg.com | 657-472-1661 |
| Daniel Raxa |
Director, Risk Management |
daniel.raxa@myfbm.com |
| Wrap Enrollment |
General Inquiries |
wrap.enrollment@myfbm.com | 657-472-1661 |