Owner Direct Insurance Program

The ODIP is a cost-saving insurance product that allows counties to take control of their insurance needs on building projects such as jails or law enforcement centers. The ODIP, also known as a “rolling wrap-up,” allows counties, through the creation of the Wisconsin County Capital Projects Commission, (a 66.30 government cooperative) to pool project values and become eligible for the benefits of a “rolling wrap-up.”

In an ODIP, counties can group similar projects together to create a larger total value. For instance, five $5 million jail projects and five $10 million jail projects that could not individually support a “wrap-up” can now pool together and participate in a “rolling wrap-up” with a total value of $75 million.

When counties utilize the ODIP, they prepare bid specifications that require all contractors and subcontractors to remove their expenses for general liability and worker’s compensation from the cost of the project.

Estimates have shown that the cost of general liability and worker’s compensation is typically three to four percent of the total contract value. Once removed from the cost of the project, the owner of the project (typically the county) purchases the coverage. By having the county purchase the coverage, they now have control over both the insurance and the risk management program, with the end result often being not only a safer work environment, but also potential cost savings to the county.

Use the following links to find out more about the products Wisconsin County Mutual Insurance Corporation provides:

• Product Lines
  • County Liability
  • Municipal Liability
  • ODIP
  • Implementing an ODIP
  • Current ODIP Projects
  • Excess Worker's Compensation
  • Property