Commercial Auto Liability Insurance for Couriers

Affordable coverage for 1099 drivers while on dispatch

Full-time commercial auto liability policies are expensive. Enroll your drivers with insurance that provides the coverage they need — at a price they can afford.

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We'll even work with your insurance broker to keep your policy simple and streamlined.
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Commercial Auto Liability Coverage, Reimagined

Unfortunately, accidents happen, and most personal auto policies are unlikely to cover damages should an accident happen while a driver is on dispatch. Luckily, While Under Dispatch is a specialized commercial auto liability policy that protects your business and the 1099 driver’s business from third-party damages in such a situation. Plus, the policy is seamlessly integrated into the Openforce platform, making getting drivers covered a breeze.

Affordable Protection


The ‘pay-as-you-go’ structure of While Under Dispatch was a game-changer for our drivers, offering them the affordable liability coverage they need and the flexibility they want, without the constraints of traditional policies. While Under Dispatch has given us a competitive edge in recruiting. We’ve been able to attract more drivers thanks to offering this coverage as an alternative to requiring a full commercial auto liability policy.

Tim Cocchia
Chief Operating Officer, Xcel Delivery Solutions

How It Works

While Under Dispatch coverage is available to enrolled independent contractors affiliated with Openforce. Contractors must maintain their personal auto policy for vehicle registration but can select the personal limit without regard to minimum business requirements. All policies are offered through ICM Insurance Services, LLC. Coverage is subject to policy terms, conditions, and exclusions.