Wrap Ups level the playing field so that smaller businesses, like Women and Minority Business Enterprises (WBE & MBE), have equal opportunity to get on the job. Some owner and government run projects have built in incentive programs to encourage the use of MBE and WBE companies. WBE/MBE contractors often can’t afford the kind of insurance needed to qualify for large projects, so they don’t have a chance to bid. But a Wrap Up has the purchasing power to get the insurance needed at a more reasonable price for everyone on the site. Umbrella coverage for all contractors allows for competitive bidding among big and small subcontractors equally. By providing coverage to all contractors through a wrap-up, the cost of insurance can be removed from the bid prices so that insurance costs are no longer a factor in choosing the lowest or most qualified bidder.