{"id":8323,"date":"2023-01-10T12:16:06","date_gmt":"2023-01-10T18:16:06","guid":{"rendered":"https:\/\/www.bbrown.com\/insight\/the-benefits-of-an-ocip-during-construction\/"},"modified":"2023-01-10T12:16:06","modified_gmt":"2023-01-10T18:16:06","slug":"the-benefits-of-an-ocip-during-construction","status":"publish","type":"insight","link":"https:\/\/www.bbrown.com\/ca\/insight\/the-benefits-of-an-ocip-during-construction\/","title":{"rendered":"The Benefits of an OCIP During Construction"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column]\n\t<div class=\"hero hero--wrap    \">\n\n\t\t<div class=\"hero--background-image hero--background-image-blur\">\n\t\t\t<div class=\"hero--overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"hero-background\" style=\"background: url(https:\/\/www.bbrown.com\/wp-content\/uploads\/2023\/01\/AdobeStock_341775785-scaled.jpeg) center center no-repeat; background-size: cover;\"><\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"hero--container\">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"hero--inner width-100\">\n\n\t\t\t\t\t\n  <div class='content-heading  100%  '>\n    <p class='text-white subheading'>Property &amp; Casualty<\/p>\n    <h1 class='text-white    '>\n      The Benefits of an OCIP During Construction\n    <\/h1>\n\t\n  <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h1 class='text-brand-dark-blue    h2'>\n      The Benefits of an OCIP During Construction\n    <\/h1>\n\t\n  <\/div>[vc_column_text]<span data-contrast=\"auto\">There are optional ways to insure a construction project.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335551500&quot;:7384391,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">The <\/span><b><span data-contrast=\"auto\">traditional approach<\/span><\/b><span data-contrast=\"auto\"> could create issues with multiple insurers, cross litigation, limit inadequacy, coverage gaps and overall higher cost to the owner.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335551500&quot;:7384391,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Contractor Controlled Insurance Program<\/span><\/b><span data-contrast=\"auto\"> (CCIP) approach has the general contractor place insurance coverage. The potential disadvantages to the owner include higher insurance\/risk management program costs and the possible lack of transparency or control.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335551500&quot;:7384391,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Owner Controlled Insurance Program<\/span><\/b><span data-contrast=\"auto\"> (OCIP) allows the owner to realize savings of up to 1% to 4% of the project cost. Additionally, the owner is assured proper coverage, potential savings through volume discounts, broader insurance coverage, broad controls, higher dedicated limits of liability, the ability to contract with MBE\/WBE contractors and increased control over public relations with the project.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span class=\"TextRun SCXW45665533 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW45665533 BCX0\">What <\/span><span class=\"NormalTextRun SCXW45665533 BCX0\">I<\/span><span class=\"NormalTextRun SCXW45665533 BCX0\">s an Owner Controlled Insurance Program?<\/span><\/span><\/h3>\n<p><span data-contrast=\"auto\">An OCIP, commonly known as a wrap-up, creates a consolidated program that includes all insurance coverages and risk management services required for construction projects. When properly implemented, an OCIP can help reduce coverage gaps and premiums, allowing the owner increased control over program efficiency and costs.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Under an OCIP, the owner works with the broker and provides insurance coverage, risk control and claims management for a construction project and third-party administration services. Often, contractors will include profit and overhead in the construction bid. When an OCIP is in place, each contractor must remove the insurance cost from their contract or bid. By removing that extra cost, the insurance coverage results in a more streamlined risk management program.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<h3><span class=\"TextRun SCXW254894735 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW254894735 BCX0\">Types of OCIPs<\/span><\/span><span class=\"EOP SCXW254894735 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">There are traditional, single-site wrap-up insurance programs that typically cover workers\u2019 compensation, general liability and excess liability coverages for one project site. This program provides workers\u2019 compensation and general liability coverage, typically covered by one insurance carrier, with one or multiple carriers providing excess liability limits. This approach is more cost-efficient for larger projects (excess of $100M).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Another effective approach for owners or developers is a General Liability OCIP. This approach provides general liability coverage for the owner sponsor and all contractors working on the project site and can be effectively executed for smaller projects ($10M) and can also be implemented for larger projects.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In addition to the workers\u2019 compensation, general liability and excess liability coverages provided by an OCIP, ancillary coverages can be added. These additional coverages can include builders\u2019 risk, contractor\u2019s pollution liability, site pollution liability and owners&#8217; professional protective indemnity (OPPI) coverage.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Including these coverages can benefit the owner in the following ways:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\u25ac\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335551500&quot;:9621584,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25ac&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Overall savings due to the consolidated program<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25ac\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335551500&quot;:9621584,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25ac&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Assurance that proper coverage and limits are in place to help protect the owner\u2019s interests<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25ac\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335551500&quot;:9621584,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25ac&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Helps protect the contractors to the extent possible<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25ac\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335551500&quot;:9621584,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25ac&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Volume discounts through economies of scale<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25ac\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335551500&quot;:9621584,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25ac&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Broader coverage, including products and completed operations, extended to the statute of repose<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25ac\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335551500&quot;:9621584,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25ac&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Control, claims and safety measures are consolidated and coordinated by the owner in conjunction with the broker and general contractor<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25ac\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335551500&quot;:9621584,&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25ac&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Insurer stability \u2013 the owner directly controls the selection and quality of the insurance carrier<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span class=\"TextRun SCXW119106156 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW119106156 BCX0\">OCIP in Action<\/span><\/span><\/h3>\n<p><em><span class=\"TextRun SCXW9991330 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW9991330 BCX0\">An OCIP can benefit an owner in many scenarios, including post-build, as shown in the example below.<\/span><\/span><span class=\"EOP SCXW9991330 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/em><\/p>\n<p><span data-contrast=\"auto\">A high-rise, hospitality coastal construction project was completed and operating for four years. After significant hurricane-force winds hit the property, it was discovered that the windows were leaking, causing considerable water damage on several floors. The window installer was no longer a viable entity.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Because an OCIP covered the project, the damages were reported to the OCIP general liability and excess insurers under the extended products and completed operation coverage provision negotiated under the OCIP.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In addition, it was discovered that other floors had window leakage for some time, causing the walls and flooring to develop mold, fungus and mildew. A dedicated Contractor Pollution Liability (CPL) policy, including extended products and completed operations, was also purchased as part of the OCIP. Since the general liability excluded pollutants, mold, fungus and mildew, coverage for prior damage was paid for by the CPL policy.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Due to the extent of the damage to multiple floors and hotel rooms, the owner incurred a significant loss of business income. These losses were also covered by the general liability, excess liability and the CPL coverage negotiated as part of the OCIP.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">By having these coverages in place, the owner did not have to utilize the permanent property policy or depend on the liability coverage that an out-of-business window installation contractor may have required.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<h3>How Brown &amp; Brown Can Help<\/h3>\n<p><span data-contrast=\"auto\">Brown &amp; Brown has teams throughout the country to help provide controlled insurance program knowledge, including marketing, coverage terms, risk control and claims management.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Our team works collaboratively with the owner, general contractor or wrap-up administrators to help negotiate optimal terms, and support overall project safety, claims management and administrative assistance.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:256}\">\u00a0<\/span>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1389&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_circle_2&#8243;][vc_separator border_width=&#8221;2&#8243; el_width=&#8221;60&#8243;][vc_column_text]<\/p>\n<h6 style=\"text-align: center;\">Property &amp; Casualty Team<\/h6>\n<p>[\/vc_column_text]\t<div class='wpb_content_element text-center btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-dark-blue  '\n\t\t\t\thref='\/us\/contact\/contact-general\/' target='' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Connect Now<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;][vc_column_text]There are optional ways to insure a construction project.\u00a0\u00a0 The traditional approach could create issues with multiple insurers, cross litigation, limit inadequacy, coverage gaps and overall higher [&hellip;]<\/p>\n","protected":false},"author":66,"featured_media":8324,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"insight_category":[34],"class_list":["post-8323","insight","type-insight","status-publish","has-post-thumbnail","hentry","insight_category-property-casualty"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The Benefits of an OCIP During Construction - Brown &amp; Brown<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bbrown.com\/ca\/insight\/the-benefits-of-an-ocip-during-construction\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Benefits of an OCIP During Construction\" \/>\n<meta property=\"og:description\" content=\"[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;][vc_column_text]There are optional ways to insure a construction project.\u00a0\u00a0 The traditional approach could create issues with multiple insurers, cross litigation, limit inadequacy, coverage gaps and overall higher [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bbrown.com\/ca\/insight\/the-benefits-of-an-ocip-during-construction\/\" \/>\n<meta property=\"og:site_name\" content=\"Brown &amp; 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Brown","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.bbrown.com\/ca\/insight\/the-benefits-of-an-ocip-during-construction\/","og_locale":"en_US","og_type":"article","og_title":"The Benefits of an OCIP During Construction","og_description":"[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;][vc_column_text]There are optional ways to insure a construction project.\u00a0\u00a0 The traditional approach could create issues with multiple insurers, cross litigation, limit inadequacy, coverage gaps and overall higher [&hellip;]","og_url":"https:\/\/www.bbrown.com\/ca\/insight\/the-benefits-of-an-ocip-during-construction\/","og_site_name":"Brown &amp; Brown","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.bbrown.com\/ca\/insight\/the-benefits-of-an-ocip-during-construction\/","url":"https:\/\/www.bbrown.com\/ca\/insight\/the-benefits-of-an-ocip-during-construction\/","name":"The Benefits of an OCIP During Construction - Brown &amp; 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