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Contractor Insurances.

Coverages uniquely designed with independent contractors in mind.

Contracting Companies Benefits 

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Peace of mind knowing ICs are covered under dispatch

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Ensures premiums never lapse with auto deduction from Openforce Settllements

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Eliminates admin burden of tracking indiviudal DEC pages & monitoring expiration dates.

 Independent Contractors Benefits

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Insurance partners do the hard work ​and negotiate affordable rates compared to those offered in the open market for quality coverage.

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​No down payment is required​ eliminating the financial burden.​

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Settlement deducted premiums​ ensure there is no charge (or coverage) for weeks no work occurs.

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Easy, hassle-free enrollment​ so busy ICs don’t have to spend time ​hunting for coverage.​

Insurances Without The Guesswork.

While no two businesses are identical, they often face similar risks. Our insurance partners put together key commercial insurance policies designed to safeguard your ICs' businesses, and yours from injuries under dispatch, accidents, and claims. Our experienced network of agents are ready to provide tailored insurance coverages based on the distinctive needs of your ICs' businesses and yours.

IC-Facing Insurance Coverages

Our insurance partners focus on four key insurance products for independent contractors. These policies are designed to be continuous until canceled, with no action required by ICs at annual renewal. Premiums are deducted through Openforce settlement, ensuring timely payments and avoiding cancellation issues.

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Occupational Accident
  Provides ICs benefits for work-related injuries or death. Example: An IC gets out of the vehicle, slips and falls and breaks an arm while making a delivery. OccAcc helps cover medical bills and pays the IC a percent of their earnings while unable to work.​
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General Liability (GL)
Protects ICs against claims of bodily injury, property damage, and other liabilities. Example: An IC is delivering and installing a washer/dryer. The IC fails to connect the water lines properly on the washing machine, causing damage to the home. GL would cover the cost of the repair for the water damage to the homeowner.
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Motor Truck Cargo (MTC)
Covers the goods being transported by the IC. Example: An IC transports a medical supply shipment. In delivery, the IC is in an accident and the medical supply shipment is damaged. Cargo insurance covers the value of the damaged goods, protecting the IC from a major cost.​
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Under Dispatch (UD)
Offers protection while the IC is actively engaged in dispatch duties. Example: An IC is under dispatch and hits a patch of ice, causing the vehicle to skid into a storefront and causing damage to the store. The WUD policy would be in place to respond with liability coverage that may arise from the IC being found at fault for the accident and would cover the cost of repairing the damage to the store, as well as any potential 3rd party injuries resulting from the accident.​
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Contractor Insurances. Reimagined.

Uniquely designed, usage-based insurance policies that you won’t find anywhere else. Structured specifically to meet the needs of today’s on-demand workers, they’ll get the coverage they need while keeping more of their hard-earned money in their pockets.

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ICs only pay for when they work

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Extremely competitive group rates

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 No down payments required

We Partner with Top-Rated Insurance Carriers, Program Managers, and Brokers. 

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Explore Our Full Suite of Contracting Company Solutions.

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