Although wrap-ups, both owner-controlled (OCIP) and contractor-controlled (CCIP), have been in existence for several decades, they still present some complications for the participants, the producers of the wrap-ups, and the insurers of all parties. Briefly, a wrap-up program, also known as a consolidated insurance program (CIP), is where the interests of the project owner, general contractor, construction manager, architect, engineers and approved subcontractors of all tiers are combined into a single, centrally managed insurance program covering job-site risks. In SMI Owen Steel Co v Marsh USA Inc, No. 06-41387 Versus Law, a subcontractor sued the broker that administered the CCIP for negligent failure to procure insurance. Another problem area is that many participating contractors of all tiers are ill-informed about the coverages provided by an OCIP or CCIP or do not fully understand the implications and do not always communicate their insurance needs properly to their insurance providers.