FAQs

The FAQs are available here in PDF form due to its length. Topics covered are:

• What is a wrap-up insurance program?
• Have wrap-up programs been used previously or is this a new concept?
• What coverage is provided under the project's wrap-up program?
• Why would an owner/builder wish to use a wrap-up program?
• Why would a sponsor need to get certificates of insurance from the enrolled construction participants?
• How do I know an enrolled construction participant's employee was injured on my project?
• Why is a wrap-up program more effective in defending construction defect claims?
• What are the coverage enhancements provided by the wrap-up program?
• Is there a deductible or a self-insured retention (SIR) that applies to the enrolled construction participants?
• Who pays for the wrap-up program coverage?
• How will these deducts be identified and realized?
• How do you establish the construction participant's rate for workers' compensation?
• Are the construction participants being double charged for insurance coverage?
• Are deducts re-negotiated when the construction participants' own insurance policies renew?
• Should the payroll reported include overtime?
• Can a party choose not to participate (opt out) of the workers' compensation portion of the wrap-up insurance program?
• What is a wrap-up administrator?
• Who is DBH Resources, Inc.?
• What are the benefits of participating in the wrap-up program?
• What if a construction participant uses sub-tier contractors?
• Are there any trades not eligible to participate in the wrap-up program?
• Can construction participants still get sued on this project?