Mover’s Choice Launches Contractor Program for Occupational Accident, Workers’ Compensation, Non-trucking Liability and Physical Damage
By Lisa R. Paul, CPCU
Paul Hanson Partners Specialty Insurance Solutions
Over recent years the moving industry has seen a deterioration of insurance products provided to independent contractors. As many carriers have moved to either only workers’ compensation for the contractor and their employees or occupational accident and occupational compensation for helpers it has left the industry without either a choice or inadequate coverage. Additionally, there have been fewer alternatives for local contractors who require statutory workers’ compensation coverage. Mover’s Choice has launched a program that has a benefit rich occupational accident or workers’ compensation option for the contractor and which also provides statutory workers’ compensation for casual hire helpers and fleet drivers. For interstate and intermediate contractors a flat monthly premium is available. A distinguishing characteristic of this program over the other insurance providers is that the contractor is allowed a choice between occupational accident and workers’ compensation further strengthening the independent contractor status with the IRS and state regulatory agencies in that this is a business that has made their own insurance decisions. For interstate and intermediate contractors that haul for a motor carrier that requires workers’ compensation for the contractor as well as the helper this is available as well. Local contractors have access to the payroll based statutory workers’ compensation program. All Occupational Injury Program options have additional coverages available for passenger accident, non-trucking liability and auto physical damage.
For more information regarding this program: Mover’s Choice Independent Contractor Work Injury Program.
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