Workers' Compensation Solutions for
Independent Contractor Fleets
Designed for motor carriers utilizing owner-operators and 1099 drivers under permanent lease.
Real Workers Compensation.
Real Driver Benefits.
Program Highlights
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"A-" (Excellent) Rated Insurance Carrier
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Nationwide Statutory Coverage
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Not Subject to Traditional Audits
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Simple, Flat Monthly Rates Based on Active Drivers
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Minimum of 5 Drivers to Start, with a Low Down Payment
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Relationship Separation Between the IC & Motor Carrier
Optional: Separate Workers' Compensation Policy for Corporate & Clerical Staff
Why Choose ICMS Workers’ Compensation Over Occupational Accident?
Occupational accident coverage may provide limited benefits for independent contractors, but it is not statutory workers’ compensation coverage. The ICMS Program is designed specifically for transportation companies seeking a more comprehensive solution that supports driver protection, predictable claims handling, and long-term operational stability.
ICMS Workers' Compensation
Statutory Coverage
Broader Medical & Wage Benefits
Reduced Coverage Disputes
Supports Contractor Structure
Predictable Monthly Pricing
Occupational Accident
Limited Accident Policy
Benefit Caps
More Exclusions
May Create Ambiguity
Variable Structures
Vs.
Preserving the Independent Contractor Relationship
The ICMS workers' compensation platform is structured to help preserve the critical arm’s-length relationship between motor carriers and independent contractors. ICMS supports independent contractor arrangements without creating direct employer-sponsored benefit relationships that may increase scrutiny around worker classification. This approach can help transportation companies maintain operational flexibility while addressing driver injury protection needs.