Summary:  As additional insured coverage has narrowed over the years, and states have broadened their anti-indemnity statutes to eliminate sole and partial fault assumptions, coverage under the owners and contractors protective (OCP) policy is being viewed in more favorable light, despite its disadvantages. This discussion provides a broad brush overview of the OCP policy, and then takes a closer view of the more important provisions of this policy which is available by using the April 2013 edition of coverage form CG 00 09.

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