A Contractor Controlled Insurance Program (CCIP) is a wrap-up sponsored by the general contractor rather than the owner. It shifts the deductible obligation, collateral requirement, and program administration onto the contractor. For an owner, that means minimal administrative burden — but also less control.
What owners should weigh
Under a CCIP, the owner benefits from coordinated claims response and coverage certainty with little day-to-day involvement. The tradeoffs: the owner forgoes the financial upside of a favorable loss experience, may not be added as a named insured, and can be left needing a new insurance solution if the general contractor is terminated mid-project. Owner’s Interest keeps protection in the owner’s own hands and travels with the owner regardless of what happens to the contractor relationship.