OWNERS AND CONTRACTORS PROTECTIVE (OCP) LIABILITY
COVERAGE is designed to protect either a property/business owner or a general contractor for the potential liability exposure resulting from the negligent act of a subcontractor or an independent contractor hired to perform work on the insured's behalf. The independent or subcontractor is the actual purchaser of the policy, but the protection is for the insured property/business owner or the general contractor for whom the work is being done. Coverage is limited to a specific location and project. This form is an alternative to a general contractor or owner being added as an additional insured to the subcontractor's policy and provides limits of insurance dedicated to the project.