Commercial Coverage

Construction Wrap Insurance

This coverage is often used for residential construction exposures valued in the realm of $5 million and protects owners, contractors, and subcontractors.

Construction Wrap-Up or Controlled Insurance Programs are defined by The International Risk Management Institute as “A wrap up or a controlled/consolidated insurance program is a centrally procured and managed insurance and risk control program implemented for a construction project or a series of projects.” These programs can be divided into two categories: Single Programs and Rolling Programs.

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Traditional Wrap Ups (Includes Workers Compensation and General Liability)

Single Program

1. Construction values of $100 million

Rolling Programs

1. Multiple projects on a single site $125 million over 2-3 years.
2. Multiple projects on different sites $150 million
3. Minimum size $20 million

General Liability Only Wrap Ups

Construction Wrap Up Insurance protects owners, contractors, and subcontractors against third-party exposures valued in the realm of $5 million or more. Construction insurance is complex and our highly experienced and knowledgeable team can assist you in ensuring you have adequate coverage, eliminating duplication or gaps in coverage. Every construction job is unique and Construction Wrap-Up insurance is job-specific coverage that lasts for the duration of the project and provides identical, sweeping protections for all contractors and subcontractors involved in the project. With Construction Wrap-Up insurance, you will enjoy broader and better protection while streamlining loss control and claims management. A good construction wrap-up program should offer three important advantages:

  1. Risk Reduction and Loss Mitigation
  2. Claims Management
  3. Constant Communication

Our knowledgeable staff has decades of experience in the construction industry and knows how to help you tailor a program that fits your needs and provide the coverage you want. Get in touch to learn more about the benefits of Construction Wrap-Up Insurance.

Other Possible Coverages in a Traditional Wrap Up

Other Possible Coverages in a Traditional Wrap Up

Standard construction wrap-up program coverage generally consists of workers’ compensation, general liability, and excess liability. Because every project is unique, it is a good idea to consider other coverages you may need for better risk management, including:

  • Builders Risk
  • Professional Liability
  • Contractors Pollution
  • Pollution Legal Liability
  • Surety Subcontractor Default Insurance
Other Possible Coverages in a General Liability Only Wrap-Up

Other Possible Coverages in a General Liability Only Wrap-Up

General Liability Coverage typically only covers general liability and excess liability but often excludes other important insurances, such as:

  • Automobile insurances
  • Contractors Equipment
  • Professional Negligence

Our experienced team can assist you in determining what coverage you need to best protect your project, yourself, and your subcontractors. Contact us to get more information about tailored Construction Wrap-Up insurance.

Excluded Parties

Excluded Parties

While construction wrap-up insurance protects owners, contractors, and subcontractors, there are some people that are not covered, including:

  1. Vendors, suppliers, and delivery personnel
  2. Fabrication performed off-site
  3. Design professionals (architects and engineers)
  4. Pollution, abatement, or asbestos work
  5. At sponsor’s discretion, smaller contracts (e.g. $10,000 or less)

It is important to know who and what are covered in your insurance policy so that you can understand your risk exposures. We can help you identify potential exposures and tailor insurance coverage to provide important protections that minimize your risk.

Our Solutions

With modern day solutions to everyday problems, we offer:

Proof Of Insurance

24/7 digital proofs of insurance through our online portal. `

Risk Management Materials

We provide Posters, Brochures and Infographics for the workplace to create a culture of safety.

Apply Online

Online quick apply small contract bonds for up to $400,000

Great Support

Unwavering employees, dedicated to helping you find a unique solution to your problem.

Our Beliefs

Our Beliefs

We believe while 21st digital solutions make workplaces efficient and quick paced; but some projects require a human interaction that cannot be replaced by a digital portal. We pride ourselves on our staunch dedicated staff who are always looking to help your business and create solutions that solve your needs, because we understand that your needs are unique. At RRM we believe your more than just another number in our book, you’re a business partner, one we know we can keep for life.


Our Team Strives to Improve Our Processes and Services Every Day

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When we started our business we had no idea the covereage we needed. The team at RRM helped us find the right coverage and continue to provide excellent support. We love working with them and recommend them to everyone!

Scott Cain Rhino Scooters

When all was said and done it was clear that Jerry and RRM was the right choice for us. I’m grateful to have an agent that is in my corner and is always there to answer questions and solve problems.  I have and will refer friends and family to Jerry and RRM Insurance Services, they get my highest recommendation.

-Anthony N.

I am a small commercial contractor and they have helped us walk through the bonding processes. They have been very respectful, welling to answer all of our questions, and provided great advice. The best part is that we have been able to do several public projects that require a bid bond and then a performance bond. They are really responsive and provide great service. I have no concerns giving them 5 stars and recommending them.

Rusty Riggs

It’s always a pleasure contacting Jerry Morris with RRM Insurance Services. For any insurance need we have, Jerry has always taken care of it swiftly and effectively. He has always provided sound advice and ensures to get us the best value and savings possible!

Vivian Solorio, CFO