Frequently Asked Questions
- How do I change my password?
To reset your password, go to the "Login" screen and enter your email address, then hit "Reset Password." You will receive a link via email to reset your password. If you do not receive the link, please contact firstname.lastname@example.org.
- How do I change my company information?
To edit your company's information, select your company name located under "Companies" on the upper left toolbar. Select [Edit] and update pertinent fields. Users may edit the Company Information on the website as needed. It is important the legal name is always being used.
- How do I report my payroll exposures each month?
Reporting your payroll exposures each month can be done by clicking on "Payroll" on the upper toolbar and selecting "Report Payroll." The contract you're enrolled under will pull up and you should click on "Report Payroll" to display available class codes to report on. You may enter your company's payrolls beginning on the first of each month. The reporting window closes on the 15th of the month. Should you need to revise submitted payrolls, cannot locate the class code, or have questions, please contact the CCIP Project Coordinator. Please note that if you have zero payrolls to report but will be back on the site you need to report zero payrolls. Once you are complete with your work you can notify the CCIP Project Coordinator to turn off the auto email reminders.
4. Where do I locate my project documents? The project Manuals and policies may be accessed under the Library section.
5. Where do I locate the CCIP Manual? The CCIP Manual can be found under the "Library" section located on the upper toolbar. You may search by the project name or simply by typing -manual- in the search field.
6. Where do I locate my workers' compensation and general liability policies? The workers' compensation, general liability, and excess liability policies are accessed under the "Library" section on the upper toolbar. You may search by project name or typing the policy number in the search field.
7. What is a Contractor Controlled Insurance Program (CCIP)? A CCIP is a comprehensive insurance program insuring the Project Owner, General Contractor, and all eligible and enrolled contractors at the job site. The CCIP provides general liability and umbrella or excess liability coverage for onsite operations to protect all Enrolled Subcontractors against third-party injuries and liabilities arising out of work at the Hoffman job site. CCIP coverages apply only to operations of each Enrolled Subcontractor performed at the Jobsite in connection with their Work and only to Enrolled Subcontractors who are eligible for the CCIP.
8. What are the benefits of a CCIP? The benefits of a CCIP include: Broader coverage for all enrolled subcontractors; High limits of liability - $25 million per occurrence and aggregate; Improved claims handling - all claims are reported and adjusted by one source; Improved loss experience - aggressive and thorough investigation and claim settlement; One united safety culture and specific safety plan; Better overall project loss experience that positively affects subcontractors' individual experience modification factor calculation; Substantially reduced litigation between insurance companies.
9. What insurance is provided by the CCIP? The CCIP provides workers' compensation, general liability, and umbrella or excess liability for onsite operations, including 10 years completed operations.
10. What insurance is NOT provided by the CCIP? The following types of insurance are not covered by the CCIP: Automobile Liability; General liability for offsite work; Excess liability for offsite work; Professional liability coverage; Contractor's equipment coverage; Pollution liability coverage.
11. How is the CCIP administered? Eligible Parties will prepare their bids to exclude their cost to provide the insurance furnished by the CCIP. Upon contract award, eligible Subcontractors will receive email instructions directing them to log on to the CCIP Website and enter information about their company and contract. If the Subcontractor will be utilizing Subcontractors of Any Tier, the Subcontractor will enter the name and contact information for each firm and instructions for CCIP enrollment will be forwarded to them via email. Upon submittal of all of the required information, an enrollment confirmation will be sent via email to the enrolled Subcontractor of Any Tier. A certificate of insurance evidencing CCIP coverage will be available for viewing and printing from the website. All Enrolled Subcontractors will be able to view claims information, if applicable, for the project on the website. The CCIP Administrator will be available to answer questions by email, phone, or in person.
12. My umbrella premium is "flat" and not auditable. Do I still need to provide an amount on the credit worksheet? Yes. We are excited to be able to provide general liability limits of at least $25 million and, in some cases, $50 million or greater. In addition, the umbrella coverage provides a 10 year tail on completed operations. This coverage is typically broader than what most subcontractors carry on their individual policies. Therefore, we require that you provide a credit for the umbrella on the worksheet. The credit required is to be commensurate with your policy costs/limits, while the limits provided by the CCIP are much higher. The worksheet instructions show you the way to calculate this credit.
13. Why is there a 25% "add-on" to my general liability credit?This "add-on" is to account for items typically included in construction bids related to general liability premium charges. Examples of these items include a portion of the umbrella premium, profit contribution, allocation of overhead, coverage enhancements, higher limits of coverage, etc.
14. I am concerned about sharing our company's insurance information and rates. Will this information be available for anyone to see? Please be assured that your insurance information will be treated as confidential information. American Contractors Insurance Group will not have access to this information. Your insurance information will be viewed by Hoffman personnel on a "need to know" basis.
CCIP Coverages - Claims
15. What is the Oregon Claim Reimbursement Program? Your company may qualify for participation in the Oregon Claim Reimbursement Program as an enrollee in the CCIP. Participation in the program is not mandatory. As an insured, you may elect to reimburse your workers' compensation carrier (ACIG) for costs related to medical services on non-disabling claims made on your workers' compensation policy, up to an annual maximum reimbursement set by the Oregon Department of Consumer and Business Services. Participation in the program is generally not recommended where the Insured's annual premium is less than $15,000 as reimbursement of claim costs may exceed premium savings. For further details, please refer to OAR 436.060.0055
16. What happens if there is an injury or claim? All claims (even if they are not covered by the program policy) must be reported immediately to the Site Superintendent. Contact information and report forms are located behind tabs 5 and 6 in the project insurance manual.
CCIP Coverages - After Work Completion
17. If I have to go back out to the site after our work is complete am I still covered under the wrap-up? If you were issued a Workers Comp (WC) policy for the Contractor Controlled Insurance Program (CCIP), you will be covered under this policy as long as the policy has not expired. If the WC policy that was issued to you for the CCIP has expired, then your work will fall under your normal insurance program. In regards to General Liability coverage, you will be covered under the wrap-up policy if you go back out to the site before completion of the project, or if you have repair or warranty work to complete within 2 years of project completion. For work at the site after the warranty period (i.e. two years post completion), coverage must be provided by your subcontractors’ GL program or will be arranged under a separate wrap-up program. This insurance requirement or arrangement will be spelled out in the work-order or subcontract executed for the post-warranty work.
18. When does the policy expire? How does the completed operations coverage factor into the policy expiration? The expiration date of the policies (which relate to ongoing operations) can be found on your certificate of insurance you were issued at the time of enrollment. The completed operation's coverage shall be in effect for ten (10) years after either: (1) the completion of the project or (2) the expiration of the policy, whichever occurs first.
19. Why is an auditor contacting us about payroll records? The payrolls reported and connected to this policy are subject to audit. If applicable, a representative will reach out to schedule an appointment typically 12-15 months after enrollment. The payroll records should be made available to the Insurer, ACIG, and their agents at any time during the policy period and up to three years after completion of the project.