Turner had a Contractor Controlled Insurance Program in place through Liberty Mutual Fire Insurance Company, and Liberty stepped up to defend Turner and the project owners. But subcontractor New Land Interiors Corp. and its sub-subcontractors, Millennium Services LLC and Allstate Dismantling Corp., were not enrolled in the CCIP. Their contracts required them to carry their own general liability coverage, at least $5,000,000 per occurrence, and to name Turner and the project owners as additional insureds on a primary and non-contributory basis.