Wrap-Up Liability

Our general liability and excess wrap-up policies cover commercial and residential projects in all states except New York.


  • Deductibles as low as $25,000
  • Primary limits up to $5 million are available
  • Policy terms up to five years are available
  • Defense costs are typically within the limit of liability for residential policies
  • Follow form excess liability limits up to $10 million are available as lead coverage
  • Follow form excess liability limits up to $15 million are available when excess of $10 million attachment

Best For

  • Commercial contractors
  • Residential Contractors

Summary of Coverage

We write commercial and residential wrap-up policies on an OCIP, CCIP and rolling wrap-up basis. For residential wraps, defense costs are typically inside the limit of liability. Wrap-up projects can include: custom homes, single family homes, single family tract homes, condominium construction, all commercial buildings, conversions and partially completed projects.


We specialize in creative solutions for our wholesale partners with a specific focus in the construction, products liability and premise liability industries.

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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