Under a Non-Owner Participant arranged insurance (NOPAI) framework, the Owner specifies the policy coverage and level of cover required and the Non-Owner Participant arranges the insurance. This is subject to the Owner's approval, which should not be unreasonably withheld. The Owner is able to appoint a third-party review and interpret the policy to ensure it is adequate and that the coverage and conditions remain current during the course of a contract.
The Non-Owner Participant is required to meet all excesses and other costs not covered by the insurer with each occurrence and claim. Policies must be in the Non-Owner Participant's name with the Owner an additional named insured. Policies must cover the Non-Owner Participant, Owner and on some occasions all subcontractors to the Non-Owner Participant. They must include cross-liability and waiver of subrogation clauses, where the insurer agrees to waive all rights of subrogation against all the insured.