Consolidated Insurance Programs

Nevada recognizes the value that a Consolidated Insurance Program (CIP) provides in today’s construction market. A CIP, or a wrap-up program, ensures a "master" insurance program is provided for all qualified parties for the duration of the project term. Although a CIP may include general liability, excess liability, builder’s risk and/or workers’ compensation, the Division only regulates the workers’ compensation portion of the insurance program, subject to NRS 616B.710 to 616B.737 inclusive. There are a number of admitted Nevada insurance carriers that write such coverage.

Pursuant to NRS 616B.710, a private company, public entity or utility may establish a CIP to provide workers’ compensation coverage for employees of contractors and subcontractors engaged in a construction project or series of projects with the same owner or principal contractor if the estimated total cost of the construction project or series of projects is at least $50 million.

In order to qualify for a CIP, the owner or contractor must submit a Consolidated Insurance Program Application to the Division for approval 60 days before the project begins. The application may be submitted for either an Owner-Controlled Insurance Program (OCIP) or a Contractor-Controlled Insurance Program (CCIP). If you have any questions regarding the application process, you may contact the Property & Casualty Section by email at pcinsinfo@doi.nv.gov or by phone at (775) 687-0773.