Wrap-Up Liability is a centralized insurance program that provides a single, coordinated liability policy covering all parties involved in a construction project, including the owner, general contractor, and subcontractors.

Rather than each contractor maintaining separate liability policies, the wrap-up consolidates coverage to ensure consistency, reduce gaps, and streamline claims handling across the project.

Typically arranged by the project owner, this coverage responds to third-party bodily injury and property damage arising from construction activities.

Wrap-Up Liability coverage enhances control over risk management, simplifies compliance with contractual requirements, and is commonly used on large or complex projects where multiple stakeholders are involved.

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