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HB 3768

OWNER-CONTROLLED INS PROGRAM

104th Regular Session Introduced by Jehan Gordon-Booth

HB 3768 modifies Illinois regulations for owner-controlled insurance programs used in construction projects, affecting how insurance coverage and liability are managed across contractors and subcontractors.

Rule 19(a) / Re-referred to Rules Committee
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Bill Summary · HB 3768

Legislative bill overview

HB 3768 pertains to owner-controlled insurance programs (OCIPs), which are comprehensive insurance arrangements typically used in construction projects where a single policyholder (usually the project owner) controls insurance coverage for all contractors and subcontractors involved. The bill would modify Illinois law governing how these programs operate, their requirements, or their regulation, though the specific provisions are not detailed in the available legislative history.

Why is this important

OCIPs affect construction costs, contractor liability management, and worker protections across major building projects. Changes to OCIP regulations can impact insurance affordability for construction firms, alter risk distribution among project participants, and influence workplace safety standards—making this relevant to both the construction industry and workers on covered projects.

Potential points of contention

  • Contractor autonomy vs. centralized control: Whether contractors should have options to use their own insurance or be required to participate in owner-controlled programs, affecting their operational flexibility and costs
  • Cost allocation disputes: How insurance premiums and claims are distributed among project participants, with potential winners and losers depending on specific provisions
  • Worker coverage gaps: Whether OCIPs adequately protect subcontractors and workers, or if centralized control creates liability gaps that leave some parties exposed

Compiled from official sources — confirm details with the bill’s official record.

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