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More Than Occupational Accident.
Occupational Accident can provide valuable benefits, but it is not statutory workers’ compensation. In states with stricter worker-classification standards, that distinction can matter.
ICMS provides statutory workers’ compensation benefits under applicable state law, offering broader protection when a covered work-related injury occurs.
STATUTORY WORKERS' COMPENSATION
Benefits established under applicable workers’ compensation law—not simply within the limits of an Occupational Accident policy.
BROADER
MEDICAL BENEFITS
Medical protection beyond the fixed benefit limits commonly found in Occupational Accident coverage.
WAGE REPLACEMENT &
OTHER BENEFITS
Wage-loss and other statutory benefits following a covered work-related injury.
REAL WORKERS' COMPENSATION.
REAL DRIVER BENEFITS.
Workers’ Comp Without Blurring the Relationship.
Participating drivers contract with ICMS, while ICMS maintains a separate contractual relationship with the motor carrier.
This structure allows workers’ compensation to be provided through ICMS rather than directly by the motor carrier to its independent contractors, supporting a clearer arm’s-length relationship.
INDEPENDENT
CONTRACTOR
DRIVER
IC MANAGEMENT
SERVICES
MOTOR CARRIER
Simple Monthly Administration.
BUILT AROUND ACTIVE DRIVERS. NOT PAYROLL.
REPORT ACTIVE MONTHLY DRIVERS
Simple monthly reporting and payments based on participating driver count.
ADD OR REMOVE DRIVERS AS NEEDED
Enrollment adjusts as the independent contractor workforce changes.
5+ MINIMUM ACTIVE DRIVERS
Available for qualifying motor carriers with at least five participating independent contractor drivers.
Many motor carriers also need workers’ compensation for W-2 employees, including officers, dispatchers and other office staff. A companion policy can be placed alongside ICMS.
Need W-2 Coverage Too?
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