Independent Contractor

At Cottingham & Butler, we understand the unique insurance needs facing independent contractors and the motor carriers they are leased to.  Through our deep insight and extensive experience, we are better positioned to serve as your partner as your business grows, providing flexible insurance options that are designed to reduce accidents and minimize costs.

Our Approach – Independent Contractor Assessment
Our Independent Contractor Assessment analyzes the insurable and non-insurable aspects of risk involved in independent contractor operations.  It allows motor carriers to discover where contractor gaps exist, identify potential consequences and provides solutions to help close those gaps. The Independent Contractor RMA encompasses over 130 points of exposure across three main areas – Insurance, Administration and Legal Compliance.

Start Here – Independent Contractor Risk Scorecard
Our Independent Contractor Risk Scorecard measures more than 60 critical items related to contractor misclassification and benchmarks results against the best in business. We have developed best-in-class processes that our clients have successfully implemented to avoid misclassification and in turn keep their companies properly protected.

Exclusive Programs 
IDS Independent Driver Solutions
Proper insurance coverage is critical to protecting your business and independent drivers. Cottingham & Butler’s Independent Driver program provides flexible insurance options that are managed by trucking experts. This exclusive carrier program provides the coverage independent drivers need from a partner they can trust.

Drive & Tow Away Program
Cottingham & Butler is proud to offer an occupational accident insurance program for drive and tow away independent contractors who are members of the National Independent Truckers and Contractors Association, Inc. (NITACA). This program, administered by Cottingham & Butler, offers independent contractors portable occupational accident insurance coverage designed to provide protection when hauling for drive or tow away companies.