Wrap Up Coverage

Offered by Empire Underwriters

Construction Contractors Wrap-ups Builders New Construction


Empire Specializes in Wrap Up programs. Wrap Ups are a comprehensive General Insurance project-specific policy that combines coverage normally provided separately by different parties. In WRAP policies all participating contractors and subcontractors avoid having multiple carriers at odds in a claim settlement situation and allow for tighter, more consistent safety procedures. The 3 key elements of a Wrap Up Policy are Coverage, Control and Cost Savings.

Wrap-up policies come basically in two distinct types; Owner-Controlled, OCIP and Contractor-controlled, CCIP. Either wrap-up policy allows the owner to spread the risk out among different parties, while more systemically managing risk and providing a single insurance coordinated safety net for every company and individual involved in the project.

*No two Wrap Up policies are the same. Contact our office with any questions you may have or about a particular risk you are looking at.

** Premiums have come down significantly since the reduction in construction nationwide.

This is a great time to have your Owners and Contractors use Wrap Ups to manage risks and save money.


  • Residential Tract Developments, Commercial, Condo, Townhome, Apartment, Hi-Rise
Program Highlights:

  • Many carriers Rated from AVII to AXV by AM Best
  • Limits - $1/2/2 and higher available
  • Builder Must Have 3+ Years Loss Runs
  • Minimum Premiums Starting At $25,000 plus
  • Minimum Deductibles Starting At $10,000 (BI/PD)
  • Defense – Inside
  • Blanket A/I, Primary, Waiver
  • Subsidence (per Underwriting Approval)
  • Requires PWC* Warranty and Wrap Administration (PWC Warranty Is With A Zurich Company)


    $25K Minimum Limit

    Carrier Information

    Non- Admitted AXV Carrier

    Listing Contact

    Jay Jaggers Property & Casualty Underwriter

    Offered By

    Empire Underwriters

    19 listings in 50 states + DC

    Engaged View Company

    Availability 27 states

    Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


    Not Covered

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