Our Owners and Contractors Protective (OCP) Program provides coverage for the vicarious legal liability incurred by a property or project owner arising from an independent contractor’s operation. Owners may also incur their own liabilities due to their “general supervision” of job operations.

Who is Insured

We have access to quality markets that provide coverage for property and project owners involved with construction projects building:

• Apartments
• Hotels
• Office Buildings
• Residential Homes
• Shopping Centers

Coverage is not available for

• Automobile Accidents
• Worker’s Compensation and Employers Liability Losses
• Intentional Injury
• Pollution Liability
• Aircraft or Watercraft Liability
• Damaged or Impaired Property
• Work completed or put to its intended use
• Acts or omissions by the named insured and the named insured’s employees
• Railroad Operations

What is Available

• General Liability limits up to $2MM/$3MM
• Excess limits up to $10MM
• Property damage and bodily injury covered
• This policy is for those situations when an owner requires a contractor to furnish a separately placed liability insurance policy (OCP) for a specified project exposure.
• Commercial General Liability coverage is available in combination with OCP for real estate development and land existence hazard