What insurance coverages are not included in a wrap-up?
A. The basic wrap-up program typically does not provide pollution liability (Environmental Impairment Liability) or professional liability (Architects and Engineers Errors and Omission) coverages. It is not uncommon, however, to have separate EIL and/or A&E E&O policies added to a wrap-up program. Virtually never are automobile liability or physical damage coverages provided in a wrap-up program. In addition a wrap-up provides no coverage for off-site activities and contractors are still required to provide workers’ compensation and general liability protection for these exposures.
