Best Wrap-Up Liability Insurance Firms in USA
Non-sponsored, Expert Verified and Transparently Ranked Wrap-Up Liability Insurance Firms in USA
Published: December 27, 2025 | Updated: December 28, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Risk Control Services by Travelers scored highest due to Owners or contractors wanting an established wrap-up carrier with OCIP/CCIP options, construction-specific risk control, and dedicated claims for complex, schedule-driven projects across U.S. metropolitan and infrastructure markets..
Content Verification
Side-by-Side Comparison
| Feature | #1 Risk Control Services (Travelers) | #2 Claims Management (Liberty Mutual Insurance) | #3 Programs (ZProgramsMatch) (Zurich North America) | #4 Business Insurance (Chubb) | #5 Insurance (AXA XL) |
|---|---|---|---|---|---|
| Best For | Owners or contractors wanting an established wrap-up carrier with OCIP/CCIP options, construction-specific risk control, and dedicated claims for complex, schedule-driven projects across U.S. metropolitan and infrastructure markets. | Public entities, developers, or contractors seeking integrated wrap-up or project-specific programs combining liability and professional liability, plus captive options, risk consulting, and experienced claims across OCIP, CCIP, JV, and P3 structures. | Owners, GCs, or joint ventures delivering large or multi-site U.S. construction programs seeking centralized workers’ comp and general liability with unified safety, claims, and consistent coverage across all enrolled contractors. | Large owners or GCs needing multiyear OCIP/CCIP coverage for high-value projects, leveraging Chubb’s dedicated construction underwriters, ESIS risk engineering and claims, and flexible program servicing with defined minimums. | Mid-to-large contractors or owners wanting to structure CCIPs, OCIPs, or rolling maintenance wraps with integrated risk engineering, claims, and individualized service for North American commercial, civil, and infrastructure projects. |
| Industry Experience | Industry-specific risk control across 22 industries, including construction, technology, oil & gas and public sector; dedicated specialists (e.g., Oil & Gas, Inland). In construction, Travelers has decades of experience and insures 5, 000+ contractors, with many Risk Control staff from the industry. (travelers.com) | Industry-specific claims experience includes: construction (construction-specific claims teams; wrap-up/project-specific programs incl. OCIP/CCIP, design-build, P3), ocean marine (dedicated marine claims specialists), professional services, and technology (integrated underwriting/claims teams). (business.libertymutual.com) | Industry coverage spans: construction (builders risk, contractors equipment), hospitality (luxury resorts/hotels, restaurants), events, film/TV production, professional services (lawyers, veterinarians), real estate/property (apartment owners, investors, historic, vacant), sovereign Indian nations, staffing (temporary agencies), financial institutions (asset managers, depository institutions, insurers), and captives (contractors, food, warehousing/logistics). (zurichna.com) | Chubb brings industry-specific expertise across 30 specialized Industry Practices. (chubb.com) For wrap‑ups, it uses dedicated construction underwriters within its Construction Industry Practice. (chubb.com) Specialty Casualty underscores sector depth, serving complex industries such as aviation, construction, and energy. (chubb.com) | Architects & Engineers; Aviation & Aerospace; Construction; Consumer Goods & Services; Education & Public Entities; Energy; Entertainment & Leisure; Equine, Livestock & Aquaculture; Financial Services; Fine Art & Specie; Food & Beverage; Healthcare & Life Sciences; Manufacturing; Marine & Logistics; Professional Services; Real Estate; Technology; Transportation. (axaxl.com) |
| Program Flexibility | Highly flexible delivery: Risk Control is available on-site, online and on‑demand with 24/7 access to 1, 000+ resources via MyTravelers. For construction, programs accommodate OCIP or CCIP and single‑site or rolling wrap‑ups, tailoring services to project needs. (travelers.com) | Flexible claims programs tailored to each client via Helmsman TPA (“shape your program your way”). (business.libertymutual.com) Supports construction wrap-up/project-specific structures including OCIP, CCIP, design‑build, joint ventures, and P3. (business.libertymutual.com) Scalable nationwide footprint for small to large accounts with seamless implementation. (helmsmantpa.com) | Supports OCIP/ROCIP and CCIP/RCCIP, single or multi-site rolling programs, and maintenance wrap-ups; eligible for public, private, P3 and joint‑venture projects. ZProgramsMatch spans many industry‑specific programs and has expanded to middle‑market solutions (e.g., construction, workers’ comp, captives), offering flexible placement options. (zurichna.com) | Multiyear wrap-up programs, including maintenance wraps, with flexible, customizable designs tailored to site-specific needs; owner- or contractor-controlled options; seamless multi-line coverage; and customized servicing through ESIS Construction Risk Services. (chubb.com) | Supports practice, wrap-up and project placements, including CCIPs, OCIPs, rolling CCIPs and maintenance wraps. Funding options include guaranteed cost, deductible/SIR, retros and captives. Offers auto, GL and WC coverage with individualized program design, risk engineering and claims support. (axaxl.com) |
| Claims Support Effectiveness | - Specialized construction claim service co‑located with Risk Control; 24/7 reporting routed to 40 construction claim offices; aims to reduce claim payouts/loss costs. (travelers.com) - 12, 000+ claim professionals with deployable catastrophe teams nationwide. (travelers.com) - ConciergeCLAIM Nurse: ~13% lower claim costs and ~9% fewer days out of work. (sustainability.travelers.com) - GL low‑exposure claims: ~60% close without pay; 95% stay closed. (travelers.com) | 24/7 claims reporting/tracking via portal; specialized claims teams (including construction-specific) with in‑house medical directors and nurse case managers; and outcome‑focused provider/pharmacy programs to speed return‑to‑work and control costs, augmented by next‑generation predictive modeling to improve triage and outcomes. (business.libertymutual.com) | 24/7 claims reporting with complexity‑matched adjusters; award‑winning contact center (Gold 2021). (zurichna.com) Claims acknowledged within 24 hours; online FNOL and document upload. (zurichna.com) CIP wrap‑ups include dedicated claims management support. (zurichna.com) Digital outbound payments (One Inc) enable faster, near real‑time disbursements. (businesswire.com) | - 92% of Chubb clients with a paid claim report high satisfaction (2022, 2024 survey). (chubb.com) - 24/7 claims response; 2, 000+ North America claims professionals. (chubb.com) - J.D. Power’s 2024 U.S. Small Commercial Insurance Study: Chubb ranks 5th (703), above average (697). (jdpower.com) - ESIS (Chubb) delivers construction wrap‑up claims management aimed at superior outcomes. (chubb.com) | AXA XL delivers claims effectiveness via 1, 200+ claims experts across 200+ countries with local authority and a proactive, personalized approach. (axaxl.com) For construction casualty, its claim model stresses oversight, audits, and loss cost management, backed by construction-claims expertise and robust TPA partnerships that provide jurisdictional scale and speedy compliance support. (axaxl.com) |
TravelersCompany Information
Travelers is a leading provider of insurance solutions, offering a wide range of personal and business insurance products to protect individuals, families, and businesses from various risks. With over 160 years of experience, Travelers is committed to helping its customers manage risks and achieve their goals.
Keywords
Description
Travelers provides a wide range of insurance products and services for individuals, families, and businesses, helping them manage risks and protect their assets.
What They Do
Travelers offers insurance products and services for personal and business needs, including auto, home, and commercial insurance.
Who They Serve
Individuals, families, and businesses across various industries.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Travelers offers wrap-up insurance with OCIP and CCIP structures, including single-site and rolling programs. Core coverages include general liability, workers compensation, and umbrella, supported by dedicated construction risk control and claims teams.
Key Features
- On-site, online, and on-demand risk management resources
- Specialized consultants in areas such as fire protection, product liability, and transportation
- Industry-leading online education and training services
- Articles, guides, and self-assessments available 24/7
- Industrial hygiene laboratory services for employee exposure assessment
- MyTravelers® secure portal with access to 1, 000+ risk management resources
- Travelers Workforce Advantage® program for workforce safety and engagement
Key Benefits
- Access to cost-effective risk management services and products
- Support from one of the largest Risk Control departments in the industry
- Customized solutions based on deep technical and industry expertise
- Round-the-clock access to risk resources
- Online education and training tailored to specific industries
- Specialized services such as industrial hygiene laboratory assessments
- Resources to help build a safe, healthy, and resilient workforce
Who Is It For
- Business insurance customers
- Agents and brokers
- Businesses seeking to manage risk and promote workplace safety
- Industries with unique or complex risk profiles
Travelers Risk Control: Our resources are your advantage
Travelers Risk Control is an innovative provider of cost-effective risk management services and products. As one of the largest Risk Control departments in the industry, our scale allows the right resource at the right time to meet customer needs. For over 110 years, our loss prevention professionals have assisted agents, brokers and customers across the country and around the world.
Our people
Your business is unique and so are the risks you manage. Our people have the deep technical knowledge and broad industry experience to meet your needs.
Risk Control specialties
Travelers Risk Control consultants are specialized in variety of areas including fire protection, product liability, transportation, and more. Learn more about our technical risk management specialties and services.
- Fire protection
- Product liability
- Transportation
Risk Control resources
We provide our customers with round-the-clock access to our risk resources – on-site, online and on-demand. Learn more about how we work with you.
Education and training
Travelers offers a breadth of industry-leading online education and training services developed and presented by our specialists, tailored for your industry.
Risk Control solutions
We are committed to sharing what we learn every day with our customers – articles, guides and self-assessments are available online, 24/7.
Industrial Hygiene Laboratory
Our specialized industrial hygiene laboratory services at Travelers can help you assess employee exposures and work toward the prevention of occupational illnesses.
Building a safe, healthy and resilient workforce
With medical costs on the rise and an ever-changing multi-generational workforce, it is more important than ever to promote safety and health in the workplace. Onboarding and assimilation are continual processes that build a workplace culture of safety. A safe and engaged workforce is crucial for business success. A more engaged workforce is a competitive advantage. Travelers Workforce Advantage® can help.
MyTravelers® Online Risk Control Tools and Resources
A secure website for business insurance customers where you can access 1,000+ risk management resources to help you keep your employees and business safe.
Find an insurance agent
Tailor coverage to address the risks to your business.
Resources
Supporting Resources
Detailed Comparison
Industry Experience
Program Flexibility
Claims Support Effectiveness
Liberty Mutual InsuranceCompany Information
Description
As businesses evolve, they need a stable, adaptive insurer that is always looking ahead. We provide comprehensive, tailored business insurance solutions with expertise and care to help protect your people, property, and reputation.
What They Do
Provide comprehensive and tailored business insurance solutions
Who They Serve
Businesses of all sizes and individuals seeking personal insurance
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Liberty Mutual provides construction wrap-up and project-specific programs that combine general liability and professional liability protection. The insurer supports OCIP, CCIP, design‑build, joint ventures, and P3 programs, backed by risk consulting and analytics.
Key Features
- Team of claims professionals connected to customers and employees
- Investment in innovative claims technologies
- Next-generation claims modeling
- Industry-leading expertise and technology
- Provider networks for efficient claims handling
- Resources for policyholders and injured workers
- Severe weather resources
Key Benefits
- High-quality claims experience
- Support for liability mitigation
- Assistance with property loss or contract default recovery
- Dedicated support for injured workers to aid recovery and return to work
- Access to innovative claims technologies and modeling
- Trusted, customer-focused partnerships
Who Is It For
- Business insurance customers
- Employers seeking claims support for their employees
- Organizations needing assistance with liability, property, or contract claims
- Injured workers requiring recovery and return-to-work support
A focus on better claims outcomes
We see every claim as an opportunity to create experiences that exceed expectations. And it starts with a team at your side that’s truly connected to customers and their employees. We’re focused on delivering the best possible outcomes, whether we’re helping customers mitigate liability, rebuild after a property loss or contract default, or connecting with injured workers to help them recover and return to work. Our approach is simple – but deep: Begin with the best people. Invest in innovative technologies. And sustain trusted partnerships.
- Team connected to customers and employees
- Focus on best possible outcomes
- Support for liability mitigation, property loss, contract default, and injured worker recovery
- Investment in people and technology
- Trusted partnerships
Resources
Detailed Comparison
Industry Experience
Program Flexibility
Claims Support Effectiveness
Programs (ZProgramsMatch)
Zurich North AmericaCompany Information
Zurich North America is a leading insurance provider specializing in commercial property and casualty insurance services. With a focus on delivering risk management solutions, they cater to a diverse range of industries and businesses across North America.
Keywords
Description
Zurich provides specialized commercial insurance for various industries, ensuring your business is well-protected with individualized solutions.
What They Do
Specialized commercial insurance services across multiple industries.
Who They Serve
Businesses in various sectors including automotive, construction, healthcare, and more.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Key Pages
Summary
Zurich North America’s Consolidated Insurance Programs centralize workers’ compensation and general liability for all enrolled contractors on large projects. Offerings include OCIP, CCIP, single or multi-site rolling programs, and maintenance wrap‑ups, supported by specialized claims services.
Key Features
- Online portal (ZProgramsMatch.com) for program discovery and inquiries
- Directory of specialty insurance programs by industry and risk type
- Direct submission of inquiries to Program Administrators
- No impact on other Zurich commission or profitability agreements
- Program Leader Magazine for industry news and updates
Key Benefits
- Access to a wide range of industry-specific insurance programs
- No Zurich appointment required to access or submit inquiries
- Direct connection to knowledgeable Program Administrators
- Programs underwritten by Zurich, an A.M. Best A+ rated company
- Streamlined inquiry and application process
- Regular updates on new and existing programs via email signup
Who Is It For
- Licensed P&C insurance agents (no Zurich appointment required)
- Independent agents and brokers
- Program Administrators
- Managing General Agents (MGAs)
- Businesses and organizations seeking specialty or industry-specific insurance solutions
Resources
Supporting Resources
Detailed Comparison
Industry Experience
Program Flexibility
Claims Support Effectiveness
ChubbCompany Information
Chubb is a global insurance company providing a range of insurance products for individuals, families, and businesses in the Benelux region. They offer various insurance solutions, including liability, property, cyber, and life sciences, as well as exclusive car insurance and masterpiece insurance for individuals.
Keywords
Description
At Chubb, we deliver excellence in all we do, being there when you need us most. We provide exceptional service to our customers and business partners—it's who we are.
What They Do
Chubb provides insurance solutions for individuals, families, and businesses, including property, auto, travel, and embedded insurance.
Who They Serve
Individuals, families, businesses, agents, and brokers.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Chubb’s Primary Casualty for Wrap Ups delivers workers’ compensation, employers liability, and general liability within owner‑ or contractor‑controlled programs, including maintenance wrap‑ups. Programs feature flexible multi‑year designs and servicing through ESIS Construction Risk Services.
Key Features
- Customizable insurance products (liability, cyber, property, accident & health, etc.)
- Industry-specific solutions across 30+ industry practices
- Risk engineering and consulting services
- Claims support and business income consultation
- Coverage for businesses of all sizes
- Global reach and multinational capabilities
Key Benefits
- Tailored insurance solutions for unique business needs
- Coverage for a wide range of industry-specific risks
- Access to risk specialists and nearly 500 in-house risk engineers
- World-class claims service with high satisfaction rates
- Financial strength and stability
- Strategic partnership and insights for large and multinational businesses
Who Is It For
- Small businesses (startups to established local businesses)
- Large and multinational businesses
- Businesses across 30+ specialized industries
- Companies seeking tailored risk solutions
Tailored business insurance solutions
Chubb has protected businesses of all sizes, their employees and their reputations against industry-specific risks for more than 200 years. Let our risk specialists work to find the right business insurance coverage for your unique needs.
Products, services, industry expertise
Chubb’s expertise spans 30 specialized Industry Practices. Working together, our underwriters, risk and claims professionals tailor industry-specific solutions for each of our clients.
- Explore by industry: 30+ specialized industry practices
- Explore by product: Liability, cyber, property, accident and health
- Explore our services: Risk engineering, claims support, income consultation
Insuring businesses of all sizes
Small businesses at every stage look to Chubb for robust protections, world-class claims service, industry-specific knowledge and coverage options that insure against risks as they grow. Large & multinational businesses rely on Chubb for strategic partnership, insights, premium products and services, stability, financial strength and insurance industry leadership.
- Small businesses: robust protections, claims service, industry knowledge
- Large & multinational businesses: strategic partnership, insights, premium products
Business insurance excellence by the numbers
#1 Commercial lines insurer in the U.S.; 200+ years of experience; $21B claims paid globally (2023); 92% overall claims satisfaction (clients with a paid claim across 2022-2023)
- #1 Commercial lines insurer in the U.S.
- 200+ years of experience
- $21B claims paid globally (2023)
- 92% overall claims satisfaction (2022-2023)
Unique risk solutions across industries
Chubb’s industry practice specializations continue to grow in response to rising business segments, ensuring that our capabilities and products align strategically to the evolving risks that matter most in your industry.
- 30+ industry practices
- Industry-specific risk solutions
Prepare and prevent with Chubb Risk Consulting
Chubb’s in-house network of nearly 500 risk engineers helps businesses anticipate and minimize costly exposures. The Chubb Risk Engineering Center offers services on fire protection, equipment breakdown, worker safety and more.
- Fire protection
- Equipment breakdown
- Worker safety
- Next generation risk management
Insights & expertise
Learn more about market conditions and risks that affect your industry, leverage tips and strategies for protecting your business and see Chubb’s expertise in action with white papers, articles, and success stories.
- Evolving risks for the middle market
- Insurance costs depend on 4 factors
- Navigating risks in cleanrooms
- Cold weather safety tips for employees
- 4 steps for creating a safer worksite
- When middle markets go multinational
Get a business insurance quote that fits your business
Whether your business is large or small, we’ll leverage our premium products and services to create a plan that protects your business, your employees and your reputation. Talk to Chubb today.
Resources
Supporting Resources
Detailed Comparison
Industry Experience
Program Flexibility
Claims Support Effectiveness
AXA XLCompany Information
AXA XL is a leading provider of P&C global commercial insurance offering insurance and reinsurance to enterprises of every kind and size. AXA XL helps you take your business further.
Keywords
Description
AXA XL is the P&C and Specialty division of AXA, providing Re/Insurance to mid-sized and multinational companies, and some high-net-worth individuals.
What They Do
AXA XL provides insurance and reinsurance solutions, risk consulting, and innovative risk management services.
Who They Serve
Mid-sized and multinational companies, as well as high-net-worth individuals.
Key Value Propositions
What Customers Say
"AXA XL demonstrates strong financial stability and service capabilities while investing time to understand us, which are key criteria for us."
— Risk Manager
"They take time to understand our business and needs and generally responsive to those. They do what we need everywhere we need it and do a good job of putting a team behind it."
— Risk Manager
"AXA XL is much better than their peers on each of our carrier choice criteria: global scale, flexibility on how we structure programs, strong technical expertise and ability to execute all types of administrative actions."
— Risk Manager
"AXA XL stands for partnership and continuity, always willing to be a partner and to provide solutions to ensure business continuity."
— Risk Manager
"Their bench is deep, with lots of talented people, that are not just smart, but people you can enjoy spending time with and for some, even call them friends."
— Risk Manager
"AXA XL stands for integrity, financial strength, care about customer, value personal relationship and long-term strategic partner."
— Risk Manager
"AXA XL Claims is one of the most professional, courteous, and skilled teams I work with. Thank you!"
— Broker
"AXA XL Claims professionals are always prompt in their responses and understanding in how a large company manages their claims."
— Risk Manager
"From the first call to AXA XL claims, my experience was as positive and as pleasant as it could possibly be in these circumstances. Thank you!"
— Insured
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
AXA XL’s Primary Casualty for Construction Companies supports CCIPs, OCIPs, rolling CCIPs, and maintenance wraps alongside auto, general liability, and workers’ compensation options. Clients gain construction-focused risk engineering, claims service, and individualized program design.
Key Features
- Coverage in more than 200 countries and territories
- Award-winning captive solutions
- Primary and excess casualty insurance
- Flexible construction coverages and risk engineering
- Full suite of cyber insurance solutions
- Environmental insurance expertise
- Excess & Surplus (E&S) solutions for unique risks
- Multinational/global program capabilities
- Professional liability coverage
- Property insurance for commercial assets
- Specialty insurance (aviation, marine, fine art, etc.)
- Structured risk and (re)insurance solutions
- Delegated authority and program business
- Wholesale insurance for complex or non-standard risks
- Customized risk management and consulting
Key Benefits
- Global reach and local expertise
- Comprehensive coverage across a wide range of risks
- Innovative and tailored insurance solutions
- Support for complex and emerging risks
- Strong financial backing as part of AXA Group
- Data-driven insights and leading technology
- Risk consulting and loss prevention services
Who Is It For
- Mid-size companies
- Multinational corporations
- Some high-net-worth individuals
- Brokers and underwriters (via alternative distribution)
- Industry-specific clients (see industries_served)
Resources
Supporting Resources
Detailed Comparison
Industry Experience
Program Flexibility
Claims Support Effectiveness
Our Ranking Methodology
How we rank these offerings
We ranked these Wrap-Up Liability Insurance Firms in USA based on three key factors: Claims Support Effectiveness (40% weight), Program Flexibility (35% weight), and Industry Experience (25% weight). Risk Control Services scored highest due to their outstanding claims support effectiveness with a strong claim management infrastructure and flexible, tailored program offerings. Their extensive industry experience also provides added value for clients in specific sectors.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models associated with wrap-up liability insurance programs?
- Wrap-up liability insurance programs typically operate on a project-specific premium model, with premiums divided into fixed and adjustable components based on the project's risk profile and total cost. For instance, Zurich North America and Travelers offer flexible pricing models where costs may vary depending on the inclusion of services like specialized claims handling or risk control services. Additionally, Liberty Mutual's analytics-driven approach allows for adjustments based on real-time data, ensuring more precise pricing over the life of a project.
- What are the key selection criteria for choosing a wrap-up liability insurance provider?
- When selecting a wrap-up liability insurance provider, critical factors include the provider’s expertise in handling complex, large-scale construction projects and their portfolio of services such as risk control, claims management, and flexibility of program designs. Companies like AXA XL and Chubb emphasize personalized engineering services and adaptable program structures which can be crucial for projects with unique requirements. Providers such as Travelers and Liberty Mutual stand out with their emphasis on robust analytical capabilities and dedicated teams, which are essential for managing and mitigating risks effectively.
- What industry standards and compliance issues should be considered with wrap-up liability programs?
- Industry standards for wrap-up liability programs require strict adherence to local and federal regulations surrounding workers' compensation and general liability. With offerings like Zurich North America's OCIP and CCIP, compliance is integrated into program design through centralized insurance management, ensuring all enrolled contractors adhere to regulatory requirements. Insurance providers such as Chubb and AXA XL embed compliance monitoring within their risk engineering services, helping firms navigate evolving regulatory landscapes while minimizing liability exposure.
- What are common implementation challenges with wrap-up liability insurance and how are they solved?
- Common implementation challenges for wrap-up liability insurance include aligning contractor expectations, managing diverse project risks, and integrating insurance with project timelines. Companies like Travelers address these issues with rolling program options and dedicated risk control teams to manage complexities throughout the project lifecycle. Liberty Mutual’s provision of analytics and consulting aids in overcoming challenges by customizing solutions that align with specific project objectives and minimizing unexpected liabilities.
- How do wrap-up liability insurance programs deliver ROI and value to construction firms?
- Wrap-up liability insurance programs deliver ROI by centralizing and streamlining insurance purchases, resulting in reduced administrative overhead and enhanced risk management. Zurich North America and Chubb highlight the value of multi-year program designs that offer predictability in insurance costs, allowing for better budgeting and financial planning. Additionally, AXA XL and Liberty Mutual emphasize the use of advanced risk analytics and engineering services, which contribute to reduced frequency and severity of claims, ultimately improving project margins.
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