
Learn how to engage your Medical Provider Network, train supervisors, guide injured employees to care, and support a smoother return-to-work process.

Morris & Garritano offers specialized WRAPs and OCIPs (Owner Controlled Insurance Programs) to provide comprehensive coverage for large-scale construction projects. These programs streamline insurance by consolidating coverage under one policy, reducing administrative burdens, and ensuring consistent protection for all parties involved. Our tailored solutions are designed to meet the unique needs of your project, offering peace of mind and cost-effective risk management.

Our WRAPs and OCIPs insurance programs provide extensive coverage designed to protect all aspects of your construction project.

Comprehensive Protection for All Parties
Our WRAPs/OCIPs insurance provides a unified approach to risk management, ensuring that all contractors, subcontractors, and project owners are covered under a single policy. This comprehensive protection minimizes the risk of gaps in coverage and provides peace of mind for everyone involved in the project.
Cost-Effective Risk Management
By consolidating multiple insurance policies into one, our WRAPs/OCIPs programs offer a cost-effective solution for managing risk on large-scale construction projects. This approach not only reduces insurance costs but also simplifies the administrative process, allowing you to focus on the successful completion of your project.

Learn more about Morris & Garritano’s Construction Practice Group, the specialized coverages and services we offer, and how we provide peace of mind to our Construction clients.
What “covered” should feel like.

Learn how to engage your Medical Provider Network, train supervisors, guide injured employees to care, and support a smoother return-to-work process.

General liability and umbrella insurance rates remain under pressure as social inflation, larger jury awards, and rising claim costs reshape the liability landscape. Learn what’s driving these increases and the steps businesses can take to strengthen their risk management programs.

Effective contractual risk transfer goes beyond collecting COIs. Strong agreements, appropriate insurance requirements, and supporting endorsements help businesses manage vendor, contractor, and third-party risks with greater confidence.

Commercial auto insurance rates continue to climb due to rising claim costs, social inflation, distracted driving, and expensive vehicle repairs. Learn what's driving the market and the fleet safety strategies businesses can use to better manage risk.

Understand Class Code 5606 eligibility, avoid workers’ compensation misclassification, and reduce the risk of unexpected premium adjustments at audit.

Does claim frequency impact your ExMod more than claim severity? Learn how the WCIRB experience rating formula works and why multiple small claims can affect workers' compensation premiums more than fewer large claims.

A safety violation doesn’t have to involve a major accident to have a meaningful impact on your business. Each year, Cal/OSHA identifies the workplace safety standards most frequently cited for violations in the prior year. Here are the Top 10 for 2025—and what employers can learn from them.

Each year, the WCIRB (Workers' Compensation Insurance Rating Bureau) reviews and updates Dual Wage Thresholds and Minimum/Maximum Payroll requirements for Executive Officers & Owners. This announcement is to keep you informed about key updates that could impact your workers’ compensation coverage.

Behind every workers' compensation claim is an opportunity to protect your bottom line. See how our claims experts uncovered an experience modification error and helped a client recover $14,170 in returned premium - without any additional work or stress for the client.
What "covered" should feel like.
What "covered" should feel like.
What "covered" should feel like.

What "covered" should feel like.
What "covered" should feel like.