Insurance coverage uniquely designed for independent contractors

Finding insurance for your independent contractors doesn’t have to be stressful. Whether you already have your own preferred insurance broker or choose to use our network of trusted partners, we are dedicated to making sure you and your ICs are protected with the best coverages possible. And that all of your policies are in place during the enrollment, before the IC begins work.

A suite of flexible coverages

Settlement-deducted premiums

Protect your business and ICs

A network of trusted partners

We believe insuring your ICs with critical, yet affordable coverage is best achieved through knowledgeable partners dedicated to your industry, needs, and budget. Through our trusted network of insurance agents, we’ll customize the ideal combination of coverages that meet contractual requirements and reduce misclassification risks.

Have your own preferred insurance agent? Not a problem. We’ll work directly with them to make sure your coverages continue with zero disruptions.

Settlement-deducted premiums eliminate lapses

We’ll deduct contractor premiums right from settlements, so you know that every IC’s required coverage is verified and always active (and you can skip the sleepless nights).

Specialized transportation options

Access a full menu of affordable insurance options to lower your risk exposure, maintain separation between your business and theirs, and reduce claims on corporate policies. Our licensed insurance agents make available:

Independent contractor insurances, reimagined

Uniquely designed, usage-based 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:

  • Occupational accident

  • Cargo insurance

  • General liability

  • On-dispatch auto liability

  • ICs only pay by the week if they work

  • Extremely competitive group rates

  • Percent of settlement rates

  • No down payments required

Insurance, without the guesswork

No more slipping through the cracks
Our tailored enrollment workflows enable you to ensure every IC has the right coverage—without the hassle, resources, and human errors that come with manual administration.
Store COIs in one place
No matter what insurances you require contractors carry, you can collect certificates up front during onboarding and keep tabs on expirations in one easy-to-use dashboard.
Support every step of the way
With combined decades of experience, our insurance and risk teams are here to offer critical insights as your business and the world around it changes.
Use our platform to:  
  • Connect ICs with a variety of insurance coverages 

  • Manage contractual insurance requirements 

  • Collect and centralize all COIs 

  • Monitor insurance expirations 

  • Ensure coverage is active and in place 

With tools like:
  • Tailored onboarding workflows  

  • Settlement-deducted premiums 

  • Quick, document collection 

  • Comprehensive expirations dashboard 

  • Premium payments in arrears

See how Openforce can work for you