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Owners and Contractors Protective (OCP) Field Inspection Worksheet
Field worksheet documenting project scope, contractor insurance, owner exposures, site hazards, protection controls, and report-ready notes.
Project / Insured Information
Underwriting Focus — Scope / insured role
Identify what work is being performed, who owns or controls the site, and the insured’s relationship to the contractor. Record the project value and contracted cost; do not assume OCP insurance replaces contractor GL.
Contractor / Agreement Controls
Underwriting Focus — Contractual protection
Request confirmation of contractor GL, workers compensation, certificates and agreements as applicable. A COI does not guarantee coverage; report what was actually provided or verified, including unavailable information.
Building / Site Conditions & Exposures
Underwriting Focus — Site hazards
Identify excavation, heights, temporary work, active utilities, occupied adjacent areas, pedestrian access and existing structure exposures. Photograph visible conditions and distinguish observation from contact-reported information.
Safety / Fire / Security Controls
Underwriting Focus — Fire and public protection
Check hot-work controls and fire extinguisher availability; assess access restrictions and protection of the public from active construction. Do not indicate controls are in place unless seen or reliably reported.
Materials / Equipment / Utilities / Waste
Loss History / Additional Underwriting Notes
Photos to Obtain
Photograph all observed recommendations and underwriting concerns. Obtain close-ups of the condition and relevant identifying information.
Narrative Insert
The insured is the owner / lessee / tenant of the ____ story ____ construction building or project located at ____. Work consists of ____ with a total estimated project cost of $____ and contracted cost of $____. Work began / is scheduled to begin on ____ and is expected to finish on ____.
The general contractor is ____ (license ____). Contractor GL and workers compensation coverage were ____ verified; proof of insurance was ____. Hold-harmless or indemnification agreements were ____; documents reviewed included ____.
The existing structure / site condition is ____. The project involves ____ and adjacent / public access exposures of ____. Safety, fire prevention, hot-work and site security controls consist of ____.
Materials and equipment are stored ____. Temporary electrical and other utility changes consist of ____. Waste is removed by ____. An office trailer is ____ present. Additional observed concerns include ____. The contact reported ____ prior site incidents or losses.