Why Motor Carriers Must Align Risk Strategies with Trucking Contractor Models

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.

In Manufacturing Dive, Ted Merrill, Chief Distribution Officer of Intact Accident & Health, outlines potential risks and solutions for navigating compliance with this workforce.

Independent contractors play an essential role across industries like trucking, shipping and delivery. However, navigating the complexities of worker classification and ensuring the right insurance coverage can be challenging.

Occupational Accident Insurance vs. Workers Compensation Insurance… should a 1099 independent contractor have Occupational Accident? Workers Compensation and Occupational Accident are two distinct types of coverage, although they both relate to workplace accidents or injuries. A quick chart helps identify similarities and differences.

Andrew Deutsch, Senior Product & Strategy Director at Intact Accident & Health, recently sat down with Shannon Currier, Director of Philanthropy at the St. Christopher Truckers Relief Fund (SCF) for their podcast series Highway to Hope.