Let’s make sure you have an extra measure of protection on top of CGL coverage.

Owners/Contractors Protective Liability Insurance

OCP does not replace CGL coverage. It’s a standalone project-specific policy that’s meant to protect one party, usually an owner or contractor. Specifically for the operations performed for owners by a designated contractor named on the declarations page.

Just view it as an extra measure of protection on top of CGL coverage.

What’s Covered?

The project owner’s vicarious liability in connection with the contractor’s work
The project owner’s acts or omissions in connection with the general supervision of the contractor

What’s Not Covered?

Claims due to the project owner’s negligence, unless it’s related to the acts of “general supervision” of the contractor
Note: OCP coverage is limited to liabilities during the policy period and at the job site listed on the declarations page

Advantages of an OCP

Protection is solely for a project owner. That person or the company alone receives primary coverage with a separate, dedicated set of limits
Under a CGL policy with an owner named as an “additional insured,” they share protection with other parties. This means the coverage limits apply to all parties
An OCP policy is also primary, meaning its coverage applies first before other insurance policies that the owner may have

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