Peace of Mind.

DMC Insurance helps independent contractors protect their livelihood and remain compliant with lease agreements. We have worked with fleets of all sizes and know there are differences. Our extensive experience enables us to serve as your partner as your business grows. DMC Insurance programs have significant financial backing through our parent company Fairfax Financial Holdings Limited and our insurance affiliate partner, Crum & Forster®. Crum & Forster® writes almost $2 billion in premium annually and they are rated A (Excellent) with a stable outlook by A.M. Best Company and have a Financial Size Category of Class XIII.

Ease of Use.

Our goal is to provide our insureds with broad coverage and the best service to keep them operating and earning money. We have just one number to call for questions.  No need to call multiple locations or multiple companies even if there are multiple coverages involved. Our systems and processes help manage additions, deletions, changes and claims to streamline processes and save time, so our clients can focus more on running their business.


As an independent contractor you may not always have the time or resources to research the latest innovations in safety and technology. Independent contractors have access to our DMC Risk Engineering™ resources to help enhance the safety of your operation. We can provide an independent assessment and help co-develop an insurance solution tailored for your business.

Let’s Talk! Talk to your broker or contact us for a reference to our appointed broker network!

For program sponsors


DMC Insurance’s management team has extensive experience designing and administering independent contractor programs for some of the best contractor fleets in the country. We help protect the sponsor from liability and work accident related claims. We can work with you to design a solution to mitigate or transfer risk including the ability to provide primary coverage or alternative risk, if necessary. Our expertise and experience will help protect your contractors along with strengthening the contractor model.


Our programs are tailored to select, qualified independent contractors who are affiliated with approved large motor carriers with shared goal of reducing accidents and minimizing costs. We strive to provide the right level of coverage and with meaningful limits.

Program Components

  • Individual or Master Policy: We provide both individual policy and master policy arrangements
  • Sponsor Compliance: Our insurance will comply with your sponsor’s minimum requirements
  • Strong A.M. Best Rating: Affiliate insurance company, Crum & Forster, is rated A (Excellent) by A.M. Best
  • Limits: Limits can be structured to meet the needs of your program sponsor
  • Coverage May Include:
    • Non-Trucking Liability
    • Physical Damage
    • Workers’ Compensation
    • Occupational Accident
    • Various Contingent Liability solutions
    • Wide array of options/endorsements
  • Deductibles: Tailored to your needs and program requirements