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Wrap-Up Liability

Wrap-Up Liability

The wrap-up concept is a viable concept providing insurance for a major construction project.

Basically, a wrap-up provides General Liability insurance for a specified construction project to be written under one policy covering all of the interests in the project:

  • The owner
  • The general contractor
  • All subcontractors
  • Architects and engineers but not for their professional liability

This coverage can be obtained by either the owner or general contractor.

Benefits of a Wrap-Up liability policy include:

  • Uniform limit for all insureds
  • Specific limited dedicated to the project
  • Uniform coverage for all insureds
  • Policy is in force for the entire project, including the completed operations period
  • Ease of the owner in identifying the insurance cost for the project
  • Ease in dealing with claims which involve multiple parties
  • A uniform deductible applies

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