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TRUCK INSURANCE FOR INDEPENDENT CONTRACTORS 

Protect your company by making sure I/Cs are covered for accidents on the job. 
 

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"My biggest fear is that one of our I/Cs gets in an accident,
doesn't have the insurance to pay for their medical bills,
and ends up suing our company."
 

 
 

   

The independent contractor model has so many advantages.
But there are also risks with the I/C model that many trucking companies overlook. 
 
Here are some reasons why I/C lawsuits are more common today than ever:
 
  

THE COST OF HEALTH CARE KEEPS GOING UP...

Over the past 20 years, the cost of heath insurance has gone up far faster than inflation and employee wages. This means that it's harder and harder for Independent Contractors to afford health insurance on their own. Some might even skip it all together or get a low-cost/low-coverage plan. 
 
 HC Costs@6x
INJURY RATES FOR TRUCKERS CONTINUE TO BE HIGH, AND LAW FIRMS ARE STANDING BY
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Trucking continues to be one of the most dangerous jobs in America, with 1 in 7 truckers experiencing an injury or accident at some point in their career.

 
 
  

OCCUPATIONAL ACCIDENT PROGRAM HELP PROTECT YOUR I/Cs AND YOUR COMPANY
 

One of the ways an Occupational Accident program can help is filling the role that Workers’ Compensation normally occupies with full time employees.

I/Cs aren’t employees, so they aren’t covered by Workers’ Comp. But what happens when an I/C gets injured on the job?

Without a comprehensive occupational accident policy in place, motor carriers are putting themselves at risk of lawsuits over unpaid medical bills, not to mention misclassification suits.

Accidents Chart@6x

The cost of claims continues to increase. In 2021, the percentage of claims that exceeded $100k was 4.1%.

  

PLUS, IT CAN ALSO BE A RECRUITING TOOL
  

Finding good, qualified Independent Contractors to partner with is as hard as it has ever been. 

I/Cs can use an Occupational Accident as an added benefit in partnering with your company, which could help with retention and recruiting.

 
 
Interested? Let's chat.

 

 
NEXT STEPS
If you don't have an Occupational Accident program in place today:


1.  We'll talk through your goals for the program and gather some information (remember, these programs don't cost you anything).

2. Once the program is finalized, we communicate it with your I/Cs and explain the benefits of enrolling in it.

3. You rest easy knowing your company and your I/Cs are protected in case of an accident.

 

If you do have an Occupational Accident program in place today:


1.  We'll review your current program and see if there are better options available (a lot of new programs have come to market recently).

2. If we find ways to improve your program, we'll share those options with you.

3. You choose to make the changes or stick to your current program.

  

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HNI works with high-performing companies to help them address the hidden risks in their business and avoid The Insurance Dependency Trap. This is done by proactively DE-RISKING their business so they can be less dependent on insurance.

HNI also offers the basic services of insurance and employee benefits. HNI has offices in Milwaukee, Chicago, and Minneapolis.

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© 2016 HNI