Owner Controlled Insurance Programs (OCIPs) and Contractor Controlled Insurance Programs (CCIPs) are designed to cut costs on large projects by unifying insurance coverage. But without experienced oversight, those savings can quickly vanish.

Subcontractor incidents can inflate premiums or trigger audits When multiple subcontractors work under one policy, even a single safety lapse or delayed claim can affect the entire project’s loss history, driving up future insurance costs.

Owners and GCs are exposed without centralized safety enforcement Lack of oversight leads to inconsistent safety standards across crews. If protocols aren’t clearly defined and monitored, liability can shift back to the owner or general contractor in court.

Reputation, timelines, and budgets are at risk High-profile incidents make headlines. Missed deadlines cost money. Poor coordination or unmanaged claims jeopardize project outcomes and brand trust.

OCIPs and CCIPs only deliver ROI with expert coordination Bundled insurance only works when someone is actively managing site safety, compliance, and claims reporting across all subcontractors. That’s where professional oversight comes in.

Claims That Escalate Quickly Poorly managed injury claims can inflate costs and trigger premium hikes across the board.

Inconsistent Safety Across Crews With no central oversight, safety practices vary widely raising the risk of preventable incidents.

Missing Documentation = Legal Risk If records aren’t accurate or complete, owners and contractors may be held liable in disputes.

No Clear View for Stakeholders Without regular reporting, owners and insurers lack visibility into site risks and claims trends.

Unified Safety Program Management

We establish a single, enforceable safety framework across all subcontractors, tailored to the insurance program’s requirements. From onboarding to incident tracking, we help ensure each trade partner is aligned, monitored, and accountable, so safety isn’t just a policy, it’s a daily practice.

Claims Cost Control & Reporting

Uncontrolled claims can erode the value of an OCIP or CCIP. We step in early, standardizing reporting protocols, reviewing claims activity, and flagging cost escalations. Our oversight helps avoid inflated payouts and keeps your loss runs clean.

Compliance Auditing & Documentation

We perform independent audits to assess real-world jobsite conditions, not just paperwork. Each review produces structured findings, with gaps clearly documented and linked to regulatory benchmarks (OSHA, EPA, etc.) to reduce exposure and improve insurer confidence.

Owner & Contractor Risk Assurance

Project stakeholders need visibility, not surprises. We deliver regular summaries of safety performance, claims activity, and risk indicators. In the event of a claim dispute or inspection, we support the project team with defensible records and expert insights.

• 15–30% Lower Workers’ Comp Costs Active safety management and standardized claims processes help reduce premiums and prevent inflated loss runs.
• Stronger Safety Across All Trades Unified oversight raises accountability across subcontractors, leading to fewer incidents and better site-wide performance.
• Lower Liability for GCs and Owners Documented compliance, clean audits, and clear reporting reduce legal and financial risk at every phase of the project.
• Greater Confidence from Insurers & Stakeholders Transparent program oversight strengthens trust with underwriters, legal teams, and financial partners keeping projects funded and on track.

• Real Estate Developers and Project Owners Teams using OCIPs to centralize insurance across large-scale capital investments.
• General Contractors Overseeing $100M+ Projects Builders managing complex job sites with dozens of subcontractors and long timelines.
• Insurance Carriers & Program Underwriters Providers seeking third-party oversight to manage claims, performance, and program transparency.
• Legal, Risk, and Compliance Teams Advisors protecting ownership groups from liability due to safety lapses or mismanaged claims.

• Experts in Large-Scale Risk Oversight Our team specializes in OCIP and CCIP program structures for projects exceeding $100M, with direct experience across construction, infrastructure, and energy sectors.
• Trusted Across the Industry Aptsol works hand-in-hand with insurance carriers, general contractors, developers, and legal teams ensuring each stakeholder has full confidence in our process and results.
• Not Just Paperwork We’re Onsite We don’t just write reports. Our consultants engage directly on job sites, verifying safety performance, flagging risks, and coordinating across trades to keep your insurance program on track.
• Proven Across Public & Private Builds From government-funded transportation projects to privately financed developments, we’ve helped clients reduce claims, avoid litigation, and maintain top-tier insurance ratings.