Wrap Insurance for Construction Projects: Scope of Coverage, Resolving Coverage and Indemnification Disputes

This CLE course will provide insurance and real estate counsel with an analysis of the characteristics and function of wrap insurance programs, discuss their advantages and potential pitfalls, highlight critical coverage and exclusion issues, and outline solutions to thorny indemnification matters.

Wrap-up programs, including owner-controlled insurance programs and contractor-controlled insurance programs, aim to reduce costs on construction projects, limit downstream contribution claims, provide certainty of insurance placement, and ensure implementation of proper project safety programs.

Under most wrap-up programs, commercial general liability, workers' compensation, employers' liability, and umbrella/excess liability insurance coverage is provided to most parties performing work on a construction project site, including the owner, general contractor, and subcontractors of all tiers, under one insurance program.

Counsel must understand the coverage issues that arise with wrap-ups. Coordination of wrap policy language with participants' own insurance programs, and, in many cases, contractual indemnity provisions, can present unexpected problems for project participants.

Listen as our authoritative panel of insurance attorneys guides you through the characteristics of wrap policies, the unique coverage issues they present, and potential pitfalls for the unwary.