Condo tower under construction with a tower crane

Wrap-Up Liability Insurance in Ontario

On a large project, a dozen separate liability policies can mean a dozen arguments after a claim. A wrap-up puts everyone under one policy. We connect Ontario developers and contractors with licensed brokers who place project specific liability programs.

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Service & Support:

Follow-up from a licensed broker within 24 hours
Policy Review and Comparison
Risk Assessment
Help with certificates of insurance, policy changes and contract reviews
Renewal planning well before your policy expires

Quick answer

What is wrap-up liability insurance?

Wrap-up liability is a single project specific liability policy that covers the owner, general contractor and enrolled subcontractors for third party injury and property damage arising from one construction project, usually including a completed operations period after the project ends. It is common on condo, commercial and larger residential developments.

One project, one liability policy

A wrap-up is bought for a specific project and covers the parties enrolled in it, typically the owner or developer, the general contractor and the subcontractors, for third party bodily injury and property damage arising from the work. Suppliers who only deliver materials are usually not included.

Because everyone is on the same policy, claims are handled once instead of being passed between insurers. Wrap-ups usually include a completed operations period that continues after the project is finished, which matters for condominiums and other buildings where claims can surface years later.

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We are not an insurer or a broker. We find you the right one.

Matched by industry
We connect you with a broker who works with businesses like yours, not a generic call centre.
Licensed Ontario brokers
Insurance brokers in Ontario are licensed by the Registered Insurance Brokers of Ontario (RIBO).
Fast follow up
Once we receive your information, a professional in our network will connect with you within 24 hours.
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Our referral service is free for businesses. You deal directly with the broker for quotes and coverage.

Owner controlled or contractor controlled

Wrap-ups are usually purchased by one of two parties.

Owner controlled (OCIP)

Owner or developer buys the policy
Owner controls limits and claims
Common on condos and developments

Contractor controlled (CCIP)

General contractor buys the policy
GC manages enrolment and claims
Cost built into the contract price

What subs should check

Whether you are enrolled
What your own policy still needs to cover
Deductibles you may be charged back

What to know before you rely on a wrap-up

Your own policy still matters

A wrap-up only covers work on that project. Your own CGL still covers everything else, including off site work and other projects, and some contracts require you to keep your own coverage in place too.

Keep your own CGL active
Tell your insurer about wrap-up projects
Check any credit on your premium

Completed operations period

Ask how long completed operations coverage lasts after substantial completion. Longer periods protect all parties from late claims such as water intrusion or building defects causing damage.

Length of completed operations term
Aggregate limits shared by all parties
Exclusions for professional services

Setting up a project program?

Tell us about your project, its value and schedule, and we will connect you with a licensed Ontario broker who places wrap-up liability, builder's risk and project specific programs.

Wrap-Up Liability FAQs

Who is covered under a wrap-up policy?

Usually the owner or developer, the general contractor and enrolled subcontractors for work on that project. Suppliers who only deliver materials are generally not covered.

Do subcontractors still need their own insurance with a wrap-up?

Yes. The wrap-up only covers work on that project, and many contracts require subs to keep their own liability and auto coverage in place.

What size projects use wrap-up insurance?

Wrap-ups are common on condominiums, commercial buildings and larger residential developments, typically projects worth several million dollars or more.

Does a wrap-up include builder's risk?

Not automatically. Builder's risk covers the physical project and is usually a separate policy, though both can be arranged together.

What happens after you request commercial insurance?

1
Discovery Call
(30 to 45 min)
Understand operations, contracts, assets, and loss history.

We will request your
expiring policies and loss runs.
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2
Risk Mapping
(1 to 3 days)
Document exposures, limits, sublimits, deductibles, and endorsements that fit your contracts.
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3
Market Placement
(2 to 5 days)
Approach the right markets
and negotiate terms, exclusions, and deductibles.
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4
Proposal & Bind

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