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Established in 2016, ICM Insurance Services has carved out a niche in the insurance market by providing usage-based insurance solutions that are specifically tailored to meet the unique needs of companies that utilize independent contractor delivery drivers. With a firm commitment to creating cost-effective, flexible insurance policies, ICM Insurance Services enables these companies to only pay for insurance based on the actual usage, thereby optimizing their expenditure.
Openforce partners with ICM Insurance Services to provide coverages specifically designed for transportation companies.
General Liability insurance is an essential policy designed to protect against potential financial losses stemming from claims of bodily injury, property damage, or personal and advertising injury incurred while performing delivery services. This insurance ensures the driver’s and business’s financial security in the event of accidents, whether it’s damage to a customer’s property during delivery or a third-party injury caused by the driver. With this coverage, delivery drivers can focus on providing the best service possible, secure in the knowledge that they’re protected against a broad spectrum of potential legal challenges. A comprehensive commercial General Liability insurance policy is an investment in the stability and longevity of your contractors’ delivery service, facilitating peace of mind while they navigate the road ahead.
Cargo insurance is an indispensable policy for delivery drivers, specifically tailored to protect against potential loss or damage to goods being transported. The unpredictable nature of delivery services, from accidents to weather-related incidents, can jeopardize the condition of the cargo and, thus, the financial stability of the driver and your business. This comprehensive insurance policy ensures the safety of the goods from the moment they’re loaded onto the vehicle until they’re successfully delivered. With Cargo insurance, delivery drivers can confidently navigate their routes, knowing they have a financial safety net that shields them from unforeseen circumstances that could otherwise impact the cargo they’re entrusted with. This policy not only assures drivers and businesses but also enhances trust among your customers, reinforcing the commitment to secure and reliable delivery services.
While Under Dispatch
While Under Dispatch insurance is a crucial coverage for delivery drivers, designed to provide extensive protection from the moment a delivery job is accepted until it is successfully completed. This policy covers various potential liabilities that can occur while a driver is on a dispatched job, including but not limited to vehicle damage, cargo loss, and third-party injuries. The nature of delivery services can be unpredictable, with each dispatch carrying its own set of risks. This insurance policy ensures that drivers are shielded from these unforeseen incidents, allowing them to focus on the task at hand with the assurance of protection. With While Under Dispatch Insurance, delivery drivers can accept and fulfill jobs with increased confidence, and businesses can operate with the knowledge that their drivers, vehicles, and reputations are well-protected against potential dispatch-related liabilities.
A significant advantage of a While Under Dispatch policy is its usage-based nature; drivers are only charged for the time they’re actually engaged in work-related driving. This approach presents an industry-leading alternative to costly commercial auto liability, providing optimal coverage while ensuring cost efficiency.