OCIPs and CCIPs

A recent article in the Construction Executive (April 2009) points to the need to have the insured place collateral for two types of financial loss...paid loss and incurred losses. To me this is much like the analysis one does with a workers comp fund, that is requiring negotiation of collateral, reviews of history of claims, identifying those areas of the country and projects that bring the most exposure to the table and of course a determination of which contracting entities should be part of your plan. What other criteria do you look for in evaluating how to create and protect your OCIP or CCIP?