INDEPENDENT CONTRACTORS
Specialized coverage for independent contractors affiliated with approved motor carriers supported by flexible program design and dedicated industry expertise.
SPECIALIZED SOLUTIONS FOR INDEPENDENT CONTRACTORS
At DMC Insurance, we understand that independent contractors require more than standard coverage. From sponsor compliance to administrative efficiency, motor carriers and owner-operators need solutions built around the realities of the trucking industry.
Our Independent Contractor offering is designed for qualified owner-operators affiliated with approved motor carriers and supports both individual policy and master policy arrangements. With flexible coverage structures, tailored limits and deductibles, and access to dedicated risk engineering resources, we help support efficient administration and coordinated coverage for independent contractors on the road.
Program Highlights
Individual or Master Policy Arrangements
Flexible policy structures designed to align with your operational model and administrative needs.
Sponsor Compliance
Coverage structured to comply with sponsor minimum requirements.
Tailored Limits & Deductibles
Limit structures and deductible options designed to meet coverage requirements and business needs.
Uninsured/Underinsured Motorist Coverage
Coverage options that help protect owner-operators in the event of accidents involving uninsured or underinsured drivers.
Personal Injury Protection
Additional protection to help address certain injury-related expenses, where applicable.
Contractors’ Benefits Administration
Streamlined management of owner-operator onboarding, policy issuance, coverage documentation, program administration, and more through the CBA platform powered by Focus Solutions.
Why Choose DMC Insurance?
- Industry Expertise: Specialized experience supporting both motor carriers and independent contractors in the trucking industry
- Flexible Coverage Design: Customized coverage structures built around the needs of approved motor carriers and affiliated owner-operators
- Risk Engineering Support: Access to risk engineering resources, including safety and technology insights and customized recommendations to help strengthen operations
- Administrative Efficiency: Streamlined web-based tools that simplify owner-operator onboarding, coverage administration, premium calculations, settlement deduction tracking, policy documentation, program management, and more
- Collaborative Approach: Solutions aligned with each customer’s operations, exposures, and business objectives.
COVERAGE MAY INCLUDE
- Non-trucking liability
- Physical damage
- Occupational accident
- Contingent liability solutions
- Supplemental rental coverage
- Bobtail and unladen coverage options
- Wide array of coverage enhancements and endorsements
Related Employee Coverage: Workers’ Compensation coverage designed for commercial trucking may also be available for motor carriers with employees.
Built to Support the Way Independent Contractors Operate
Every independent contractor program is different. That is why DMC works with customers to build solutions aligned with their specific operations, exposures, and business objectives. Our Independent Contractor offering combines specialized coverage options with proactive risk engineering support to help motor carriers and affiliated independent contractors operate more efficiently and with greater confidence.
Request Our Independent Contractor Product Guide Below
DMC INSURANCE
A PARTNER YOU CAN TRUST
- Our reputation is built on integrity, reliability, and a proven approach to helping companies protect their people and manage costs
- Backed by the financial strength of an A+ (Superior) AM Best rating, as a subsidiary of Crum & Forster
- Nationwide network of adjusters with a deep understanding of state-specific laws and requirements
- Comprehensive network of vetted defense firms with industry-specific specialty practices
