What Manufacturers Should Know About Protecting Independent Contractors

As workforce structures across the trucking industry grow more complex, motor carriers must ensure their risk management strategies evolve alongside them.

In an article for Commercial Carrier Journal, Tedd Merrill discusses how contractor models influence workplace injury protection needs and outlines key considerations for building insurance programs that help address coverage gaps and support operational resilience.

This year marks a significant milestone for the Accident & Health (A&H) team at Intact Insurance Specialty Solutions: 20 years of helping brokers and their customers navigate complex occupational injury exposures through specialized expertise, tailored coverage solutions and exceptional service.

Over the past two decades, the nature of work has changed dramatically. Independent contractors, owner-operators, gig workers, couriers, and app-based workforces have become increasingly integral to the economy, creating new opportunities and new risks that don't always fit neatly within traditional insurance models. This evolution has only strengthened the value of Intact's specialized approach, demonstrating that complex and emerging risks are best addressed through deep expertise and tailored solutions.

As claims become more complex, the line between E&O and D&O is becoming less clear.

In an article for Insurance Journal, Karli Moore and Lauren Engnell examine how workplace issues, governance decisions, and data-related concerns can create overlapping exposures that challenge traditional insurance structures.

What’s really driving construction claims today?

In an article for Claims Media, Lucas Hockenberry and Molly Miller share their perspective on the key factors shaping today’s claims landscape, including persistent water exposures, project delays, and gaps in early-stage planning.

As claims environments grow more complex with higher volumes and rising expectations around speed and accuracy, organizations are under increasing pressure to deliver consistent outcomes at scale. So how can a specialty insurer adopt new technology in a way that preserves expertise and improves service for brokers and customers alike?

At Intact Insurance Specialty Solutions, we believe technology should enhance decision-making, not replace it.