While the core activity within our office is the administration of Controlled Insurance Programs (aka CIPs or wrap ups), the work often begins before the actual wrap up administration reaches these walls. Interested in learning more or having a consultation? Visit http://www.wrap-app.com

1. WRAP-UP
ADMINISTRATION
SERVICES
2400 Lakeview Parkway
Suite 275, Alpharetta,
Georgia 30009
678.339.9766
866.732.7413
CROpportunities@c-r-solutions.com

2. PAGE 01
WRAP-UP ADMINISTRATION SERVICES
INTRODUCTION
CONSOLIDATED RISK
SOLUTIONS
Founded in 2002, Consolidated Risk Solutions
(CR Solutions or CRS) was created to provide
wrap-up administration services to brokers, owners
and contractors who did not have their own in-
house capabilities. Since its inception CRS has been
dedicated to continually improving the wrap-up
environment for all participants and parties involved,
beginning with its own people.
CRS’ hiring philosophy has been to recruit from
local universities, specifically targeting their Risk
Management & Insurance graduates. All new hires
are placed in an entry level position and learn the CRS
methods from ground up. As they grow, employees
are tracked to specific industry specialties including
particular project types and national regions. Our
employees are encouraged to continue their education
through monthly office “lunch-and-learns”, attendance
at local lectures and speaking engagements, and by
obtaining industry relevant designations. Aside from
the commitment to education, CRS also advocates
teamwork within the organization and throughout the
community. CRS staff regularly assists one another
with large projects and time sensitive tasks, and each
quarter we all roll up our sleeves and spend the day
volunteering for a local non-profit group.
Of course CRS would not exist without its clients, and
it is for our clients that we continually strive to perform
beyond expectations in providing effective, efficient
and quality service. We aim to lead in innovative ways
to enhance our clients’ wrap-up experience; though
this is sometimes accomplished through technology
it is more often achieved through our personal touch
and attention to the details. We take the time to get
to know our clients so that we may anticipate their
needs and provide answers prior to the questions being
asked. We maintain complete and accurate records
throughout the construction of the project and for
years after the project’s completion. It is because of
this dedication that we are able to boast %100 client
retention and would be confident providing any one of
them as a reference to our capabilities.
Through years of experience CRS has recognized
that we have many more clients than those who pay
our bills; in addition to the program sponsor we also
view trade contractors, subcontractors, carriers, and
the owner or general contractor (whichever is not the
program sponsor) as our clients. This view has inspired
us to create tools that produce efficiencies and ease
of use for all. We have developed specific reports
that carriers use when performing audits or verifying
enrollments, we built a subcontractor portal where
subs can enter their enrollment and payroll information
online, and we generate a quarterly newsletter
containing informative articles and instructional videos
that assist the community as a whole.
It is CR Solutions’ mission to be the best wrap-up
administration group in the country and to provide the
most innovative solutions to information management
in the industry. We believe that we have achieved this
today and will continuously work to retain this success.
678.339.9766 866.732.7413
Consolidated Risk Solutions specializes exclusively in wrap-up insurance for large-scale construction projects.
Owners, take control of your risk. Make sure your workers are covered. Make sure your contractors and
subcontractors are properly insured. Get better insurance protection with no gaps.
We've been serving the construction risk management industry since 2002. Turn to Consolidated Risk Solutions to
handle the administration of your wrap-up insurance.

3. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 02
CRS EXPERIENCE
SOME RECENT SUCCESSES…..
PROJECT DESCRIPTION PROGRAM PROGRAM TYPE LOCATION
Research/Pharmaceutical Facility $826,000,000 OCIP Georgia
School Construction Program $3Bil ROCIP New Jersey
High-Rise Hotel/Condo/ Commercial $600,000,000 ROCIP New York
High-Rise Hotel/Condo/Commercial $700,000,000 RCCIP New York
Hospital $126,510,000 OCIP Virginia Beach VA
Various Project Types $1Bil RCCIP CT, NJ & NY
Apartment Building $100,000,000 OCIP Cambridge MA
Various Project Types $1Bil RCCIP KY, IN, NC, OH, TN
Hydro-Electric Power Plants $300Mil Each (x4) 3 OCIPs KY, OH, WV
Various Project Types $3Bil RCCIP CA, FL, IL, MA, NC, NY, TN
Heavy Civil $282,000,000 CCIP New York
Data Centers $560,000,000 ROCIP AZ, PA, TX, VA

4. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 03
CRS VIDEOS
ABOUT CRS
CRS PAYROLL
REPORTING
CRS WRAP-UP
MANAGEMENT
CRS ONLINE
ENROLLMENT
CRS
TECHNOLOGY
CRS
GATEKEEPER
SUBSCRIBE TO OUR YOUTUBE CHANNEL
TO GET OUR LATEST VIDEOS

5. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 04
CRS ADMINISTRATION
SERVICES
The CRS Administration Service Teams resides in
our Central Service Center in Atlanta, GA under the
direction of our COO, Jennifer Phillippi. This office is
composed of personnel (Account Managers, Account
Our expertise in the field of wrap-ups, in conjunction with our extensive database of historical information on
projects, contractors and trades allows us to provide feedback on the project under consideration, including a
customized pro-forma.
Creation of program documents is a standard CRS service that is provided on all of our programs. The following
documents are available for your use:
The following is a summary of the activities
that are generally undertaken:
Associates, and Technology support), who manage
Wrap-Up Programs %100 of the time. They provide the
necessary experience and dedication needed to make
these programs successful.
PRO-FORMA CREATION
PROGRAM DOCUMENTS…
This short document is
intended to help bidders
understand the basics of
the program, the insurance
coverage being provided
and how the program
affects their bid.
This all encompassing
document covers
everything from
enrollment and claims
reporting procedures
to insurance coverage
provided and required.
Our team will perform
contractual reviews and
develop a draft contractual
addendum to deal with
the insurance provisions of
the Wrap-up.
INSTRUCTIONS
TO BIDDERS
CCIP/OCIP
PROCEDURES MANUAL
CONTRACTUAL REVIEW/
CONTRACT ADDENDUM

6. CONTRACTOR CIP
PARTICIPATION……
WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 05
Immediately upon being advised of a contract award CR Solutions will contact the contractor with a request for
Enrollment Information. The following information will be collected…
CR Solutions utilizes an online system for enrollment.
Once a contractor is awarded, CRS will forward that
contractor a web link. The contractor will access
that link and continue to an easy 10 step process to
complete the required information for enrollment.
This process will generate an email for easy and quick
enrollment with the wrap-up carrier.
Contractors should not be allowed to initiate work
until all of the required information is provided to CRS.
It is possible to complete enrollment in a very short
period of time with minimal information. CRS will help
contractors through this process so that there is no
delay to the start of work.
CRS will issue evidence of coverage and certificates of
insurance to each eligible contractor after receipt and
review of enrollment information.
The CCIP/OCIP insurer will agree to issue and forward individual
contractor/subcontractor policies within thirty days after receipt
of enrollment information on a new contractor. CRS will forward
policies to the address of the contractor or subcontractor.
Contractor name, address, and name and
phone number of principal coordinator of
reporting requirements under the WRAP-UP
Confirmation of
contract number/
job site
Anticipated
start date
Current Interstate or Intrastate
experience modification factor
(whichever applies).
Projected
value of gross
receipts
Estimated completion
date of work or contract
duration
Projected payroll
by classification of
work (if applicable)
Certificates of insurance (to
be completed and signed by
contractor›s agent/broker)
Supporting Declarations Rating
Pages from each coverage to be
provided under this Wrap-up.
ENROLLMENT
CRS ONLINE ENROLLMENT

7. CAPTURING ACCURATE
CCIP/OCIP CREDITS
OUR SERVICE LEVELS
WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 06
CRS can negotiate the insurance credits directly
with each contractor to determine the total costs of
insurance built into each bid. CRS will also analyze bid
enrollment forms prior to the award to determine if
the insurance credits are adequate for each particular
contractor. CRS can provide the Owner benchmark
percentages for an acceptable insurance credit for each
trade as well.
CRS negotiates insurance credits using the highest
standards found in the industry. We have regional
experts who understand this process and verify all
OPTION #1
Bronze
Insurance Credit
Tracking
CRS will collect and track insurance
credits as identified by each
participating contractor. Regardless
of the identification method chosen,
CRS will not collect contractor policy
information to verify the adequacy of
the provided amount; the number(s)
will simply be tracked in CRS’ RMIS (CR
Insight).
OPTION #2
Silver
Evaluating Contractor
Credits
CRS will collect rating/declaration
pages and other policy information
from each contractor of every tier. This
can be done either prior to or after
award. CRS will verify, using this policy
information, that the insurance credit
(either alternate or deduct) identified
by the contractor, either at time of
bid or during enrollment process, is
either equal to or greater than what
the contractor would have otherwise
paid for their own insurance. CRS will
notify program sponsor and/or sponsor
representative of any variances between
the contractor’s offered credit and the
CRS calculated credit. Program sponsor
and/or sponsor representative will be
responsible for notifying CRS of the
final credit amount agreed upon with
the contractor. CRS will not be involved
in the discussions that lead to this final
agreed upon amount.
OPTION #3
Gold
Insurance Credit
Negotiations
CRS will collect rating/declaration
pages and other policy information
from each contractor of every tier. This
can be done either prior to or after
award. CRS will verify, using this policy
information, that the insurance credit
(either alternate or deduct) identified
by the contractor, either at time of bid
or during enrollment process, is either
equal to or greater than what the
contractor would have otherwise paid
for their own insurance. CRS will work
with contractor to resolve any variances
between the contractor’s offered credit
and the credit calculated by CRS.
Once an agreement is achieved, CRS
will notify appropriate party(ies) of the
verified and agreed upon amount.
rates and premium modifiers particular to each state and
insurance program.
We require policy documentation from each contract
or to determine the insurance credit calculation, and
negotiate additional credits for first dollar loss charges,
excess credits, markup/overhead, and coverage
enhancement credits. Through our software system we can
determine an appropriate payroll amount for each trade to
ensure the initial insurance credit is accurate.

8. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 07
The insurance market is hardening; this means that insurance costs are increasing. Because of this uptick in insurance costs, CCIP/
OCIP credits will also increase. A CCIP/OCIP can take advantage of the increasing cost of insurance for contractors.
Because many contractors participating in this CCIP/OCIP may have multiple contracts,
the following services will be provided for each additional contract after the initial
enrollment.
CONTRACTOR INSURANCE
COST TRENDS
SUCCESSIVE CONTRACTS FOR
ENROLLED CONTRACTORS
THE FIRST STEP in the
online enrollment process
requires contractor to enter
their Federal ID. Since
contractor is already known
to us much of their standard
company information will
pre-fill. Contractor will
still need to enter specific
contract information
including start date, payroll
and insurance credit.
CRS WILL VERIFY
CONTRACTOR provided
insurance credit based
on the valid rates and
calculation on file or, if
expired, by requesting new
rates and negotiating a new
calculation.
CRS WILL NOTIFY carrier
of additional contract and
send, to Contractor, a project
specific CCIP/OCIP certificate
of insurance
CRS WILL TRACK PAYROLL
and, if required, a unique off-
site certificate of insurance
for each awarded contract.
CRS will determine what contractors remain active
on the projects and issue a renewal package to each
subcontractor.
When requested by either the Insurer or contractor,
CRS will schedule formal review sessions with
contractors or subcontractors before anniversary date.
The purpose of these meetings will be to review loss
CCIP/OCIP RENEWAL
experience, audit procedures, and to discuss other matters
which affect the overall performance of the Wrap-up plan
as respects that individual contractor or subcontractor.
When necessary, action plans will be developed to
evaluate changes or enhancements or modifications to
the contractors› safety controls and/or internal reporting
procedures.

9. CCIP/OCIP PAYROLL OFFSITE
CERTIFICATE REQUIREMENTS
WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 08
• Each contractor/subcontractor for whom insurance
is provided under the WRAP-UP program must
maintain complete records of project site payroll and
prepare monthly payroll reports.
• Each contractor will be responsible for seeing that
each of their subcontractors completes and forwards
a report each month. Failure to do so may result in
suspension of contract payment.
• The reports will show, by classification of work, for
the previous calendar month, WC payroll for all
• CRS will request a certificate of insurance evidencing
coverage from each contractor and subcontractor as
required by contract.
• CRS will verify that all certificates meet or exceed the
minimum required.
• Each certificate will be entered into a master
contractor database where it will be monitored for
expiration on a monthly basis.
• CRS will request renewal certificates 30 days prior to
expiration.
• The Sponsor or its representative will notify CRS upon
completion of all work by any contractor or subcontractor.
• CRS will review contractor’s file for completeness and
accuracy, notify carrier of coverage termination, and
perform final close-out calculations.
• The Sponsor will be notified if original insurance credit
provided by contractor is not adequate to cover the credit
earned based on actual reported payroll and final contract
value.
• CRS will send a close-out/termination letter to contractor
and request an “on-site” certificate of insurance.
• A pre-audit call by CRS’s representative before the
contractor or subcontractor is actively engaged in
operations at the project site. This also will assure
that the contractor is familiar with the self-reporting
form and understands procedures for proper
completion.
• 2. Regular quarterly audits during the policy term,
subject to advance scheduling.
• 3. Final audits to be made within 60 days after
expiration of each policy period or completion of
MONTHLY REPORTING
CERTIFICATE TRACKING… CONTRACTOR TERMINATION…
PAYROLL AUDITS
employees at each project site after proper deduction for
overtime earnings in excess of the standard hourly wage.
• Monthly payroll reports will be submitted directly to CRS,
and are due by the 10th of each month. Payroll can be
submitted online through CRS’s web platform.
• CRS’s Online Payroll Entry Platform allows for easy payroll
entry for enrolled contractors.
work. Any differences between the monthly reports and
the final audit should be adjusted at that time.
• 4. Special audits any time during the policy term, upon
the specific written request of CRS, the contractor, or the
insurer. It is understood that the intent of these special
audits is to resolve a technical problem that cannot be
handled by simple telephone communication or other
correspondence.
Payrolls will be obtained by CRS and provided to the insurer in the monthly payroll reporting process. Physical audits
will be made in one or more of the following situations:

10. MEETINGS AND
SITE VISITS…
WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 09
INITIAL/KICK-
OFF MEETING
PERIODIC
PERFORMANCE
MEETINGS
PROJECT
COMPLETION/
CLOSE-OUT
MEETING
CONFERENCE
CALLS
In this meeting we will
discuss the CCIP/OCIP
procedures and Contractors’
responsibilities; we can
provide a live demonstration
of the Contractor Portal and
share illustration of various
CRS communications.
We will review the Executive
Summary Report and discuss
the overall performance of
the program.
the CRS Account Manager
will schedule a call with
the company contact on
a regular basis to ensure
that the program is running
smoothly. They will review
enrolled contractors,
upcoming contractors,
terminating contractors and
contractors’ compliance with
WRAP-UP requirements.
This will be the final meeting
to review the performance of
the program.

11. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 10
CRS REPORT
DELIVERY
CRS will distribute these reports at regularly occurring
intervals, agreed upon at inception of project. These
reports will be distributed to different targeted
audiences based on the report and project.
Two-part report sent once a week
We will update you on all ongoing enrollments We will provide a list of all enrolled subs
and excluded subs. It is very important to
check this monthly to make sure all subs are
accounted for (excluded and enrolled).
The following is a summary of the activities
that are generally undertaken:
ENROLLMENT UPDATE
ENROLLMENT STATUS ENROLLED AND EXCLUDED SUBS
A

12. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
Sent around the middle of each month, after we have requested these
certificates from the Subcontractors at least 3 times each.
Sent Around the end of each month, after we have requested payroll from
the Subcontractors at least 3 times each.
CRS will notify the general contractor
of all subcontractors without a current
copy of their COI.
CRS will notify the general contractor
about these Contractors and their
respective Subcontractors that have
not turned in payroll reports to CRS,
missing at least one month.
CRS will notify the general contractor of all
Subcontractors with expired COI’s.
CERTIFICATE OF INSURANCE (COI)
COMPLIANCE REPORT
PAYROLL COMPLIANCE REPORT
COI’S NOT RECEIVED
NON-COMPLIANT
COI’S EXPIRED
B
C
PAGE 11

13. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 12
A monthly report containing general and
specific information about your CCIP/OCIP.
NEWSLETTER
D

14. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 13
CR Solutions has developed a Construction Risk
Management Information System, called CR Insight,
which outperforms anything available to Wrap-up
Sponsors in the marketplace today. Furthermore, we
intend to live up to that statement for years to come.
With the combined effort of our entire team, our
Technology Director, Rebecca Osborne, endeavors to
make continual changes and improvements to the
Software to assure that our approach is always at least
one step ahead of any RMIS solutions available in the
marketplace today.
RMIS SERVICES
AND CAPABILITIES
CR-Insight is an internet based risk management
system that offers a broad range of functionality to the
construction industry. While the primary focus is Wrap-
Up administration, the application is designed to allow
the user to utilize the program to manage a broader
range of construction risk management risks whether it
is used by an Owner, Contractor, Broker, or Insurer.
Information is tracked by each individual construction
contract, thereby allowing the user to then aggregate
the data related to each contract at various levels,
whether that be a bid package, individual phase,
project, wrap-up, or sponsor level.
Additionally, there are several benchmarking
capabilities that can be user defined. Examples of
those are contractor classifications, construction
division, line item budget classification, contract types
and many others. This allows the user to leverage
historical information on future projects.
Information retrieval is very flexible. Reports and
correspondence are generated through an XML
translator, which allows for output to several different
sources. Our standard reports and correspondence
currently are produced through Microsoft Word and
Excel. Additionally, the capability to “bridge” the
information contained in the application to other
existing software systems that the user may be
currently utilizing does exist.
GENERAL OVERVIEW…
As an internet based program, the data and application
exists in a “hosted” environment. This provides the
necessary performance and security features that are
demanded in today’s current technology environment. The
system is available 24 hours a day / 7 days a week through
a secure internet site that is hosted and maintained by
specialty technology vendors. The system is designed to
optimize speed over the internet and has various security
options available. Data is backed up daily and is replicated
on various servers throughout the U.S. A help desk is
provided that is staffed with both technology and Wrap-Up
experts.
Each licensee receives their own “instance” of the program.
An instance is simply described as a new database in which
they can input their own relevant information. Each instance
allows the licensee to customize the program to suit their
individual needs.
In conclusion, CR-Insight is a state of the art Wrap-Up
management system that has proven to be a competitive
product in the Wrap-Up marketplace. The program
is supported by both Construction Risk Management
specialists, backed by some of the best technology vendors
in the industry.

15. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 14
At each contractor and subcontractor level, the estimated and
actual insurance cost is tracked in detail.
Having two calculators allows the user to view the original
insurance cost in detail when comparing it to the final
insurance cost.
The actual insurance credit will pull in the current payroll to
date and thereby provide a running insurance credit as the
project progresses.
The payroll estimates are tracked by WC Code and can pull
automatically in to the GL, Comp Ops and XS sections of the
calculator.
The calculator also allows the user to enter a variety of fees
and credits as necessary.
FUNCTIONALITY…
As a brief example, some of CR-Insight’s features include:
CR-Insight’s system is very flexible in allowing for the
contractual hierarchy of each project to be visually reflected
in the system. The browse menu allows the user to view their
projects in an organized logical layout that is easy to navigate.
A sponsor can have multiple Wrap-Ups, Wrap-Ups can have
multiple projects, Projects can have any number of subsets
thereafter, which might be used for phases, contract divisions,
etc. Once at the contract level, each contract can have
multiple sub-tiers at any level.
FLEXIBLE STRUCTURE TO ORGANIZE
THE WRAP-UP:
Each entity and its general information is only input one
time (name, address, contacts, Federal IDs, EMRs, Risk IDs,
Certificates of Insurance, etc). When the specific contractor,
broker or insurer is available via a select box throughout the
software, all additional information that was originally entered
is associated with the single selection of the name. This offers
data input resource efficiency as well as a tremendously
valuable tool for future benchmarking. Any project specific
information related to each entity can be aggregated
across various contracts and projects giving the user the
ability to sort information on a global basis to analyze past
performance factors.
“BUILDING BLOCK” CONCEPT USED TO TRACK
CONTRACTORS, INSURERS AND BROKERS AS
ENTITIES:
CALCULATOR COMPUTES ESTIMATED AND
ACTUAL INSURANCE COSTS PER CONTRACT:

16. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 15
CR-Insight not only offers many valuable tools for the pro-active management
of information and benchmarking needs, it also makes the day to day
administrative process more efficient. The system offers efficiencies that allow the
user to manage more Wrap-Ups at the same time.
PAYROLL DEFICIENCY REPORTS & LETTERS:
COMPLIANCE REPORTS & LETTERS: WRAP-UP POLICY RENEWAL:
A report is generated to provide an overview of the payroll status of each contractor and subcontractor working on a project. A letter
is automatically generated for each contractor that is missing payroll indicating which month that is missing and requesting prompt
attention to the matter
These reports provide a quick overview of each contractor’s:
• Policy status for offsite certificates of insurance
• Payroll reporting
• Project specific compliance items detailed by the wrap-up
sponsor
Letters notifying contractors of their compliance deficiencies
are automatically generated along with the report
Our bulk renewal feature allows users to generate all of the
certificates for a wrap up with corresponding letters for each of
the subs in one process as opposed to on an individual basis.

17. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 16
CRS
GATEKEEPER®
This product is available via mobile platform (smart
phones, tablets, etc.) allowing onsite users (such as
the gate security and project management) to have
real time data on who is allowed onsite.
As a contractor comes on site, the security person
enters their name into the app to check to see that
they are compliant and therefore allowed onsite.
Allows the onsite project management to have real-
time mobile access to the overall list of contractors
allowed on site and those not yet enrolled.
PURPOSE
SITE ENTRY POINT SECURITY
PROJECT MANAGEMENT
DETERMINING COMPLIANCE
Contract is enrolled, credit finalized,
payroll compliant, and offsite certificate
compliant
Contractor is allowed on site, but
something is not complete. The
contractor is enrolled, but the credit
may not be finalized, payroll is missing,
or the offsite certificate is not received
or not compliant. An email is then
automatically sent to the contractor
providing the relevant CRS contact and
the info needed to resolve the issue.
Contractor is NOT allowed onsite. Either
the contractor is not enrolled OR not
in the system. If the contractor is in the
system, an email is automatically sent
to the contractor providing the relevant
CRS contact and the info needed to
resolve the issue. If the contractor is not
in the system, the contractor’s email
address is entered into the app, & an
email is then sent that indicates the
project, and the CRS contacts for the
contractor to contact.

18. WRAP-UP ADMINISTRATION SERVICES 678.339.9766 866.732.7413
PAGE 17
WHY WRAP-UP?
The Benefits of Wrap-up Insurance
 Comprehensive insurance coverage for all
 Higher limits of coverage
 Safer construction site
 Reduced litigation
 Elimination of redundancies in both cost and services
 Economies of scale
 Allows for more competitive use of MBE and WBE
companies
Considering a Wrap-up? Click here for a free consultation.