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Independent Contractor Insurance Solutions

Elevating your independent contractor program with tailored solutions for enhanced protection and peace of mind.

We recognize the distinctive insurance needs faced by independent contractors and the motor carriers they serve. With our specialized expertise and extensive industry experience, we're dedicated to being your trusted partner as your business expands, offering adaptable insurance options crafted to mitigate accidents and minimize expenses.

Our Approach

Our Independent Contractor Assessment thoroughly evaluates both insurable and non-insurable risk factors inherent in independent contractor operations.

The Independent Contractor RMA focuses on 3 main areas and encompasses over 130 points of exposure:

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Perform thorough policy reviews, conduct gap analysis, and facilitate placement of coverage.

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Efficiently manage & review insurance files, streamline online enrollment, certificates, and settlement deduction integration, along with certificate management for non-settlement participants.


Legal & Compliance

Conduct lease contract audits and fleet state exposure analyses by transportation-specific attorneys.

Independent Contractor Risk Scorecard

Discover your contractor risk exposure using our Independent Contractor Risk Scorecard. Identify gaps, consequences, and solutions to mitigate risks, including:

  • Avoiding severe federal and state fines and penalties for misclassifying drivers

  • Eliminating Workers' Compensation 1099 premium audit

  • Reducing contractor bad debt

  • Alleviating costly class action lawsuits from independent contractors

  • Attracting and retain independent contractors with competitive insurance programs


Exclusive Program: Independent Driver Solutions (IDS)

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Cottingham & Butler’s Independent Driver program provides flexible insurance options that independent drivers need from a partner they can trust.


Flexible Options with Comprehensive Protection:

  • Occupational Accident

  • Workers Compensation

  • Physical Damage

  • Contract Liability

  • Non Trucking Liability

Independent Contractor Insights

IC Team

Connect with our Independent Contractor Team Today

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