Navigating the Heavily Regulated Landscape for Independent Contractors

by | Oct 30, 2024 | Accident & Health, Hear from A&H, Leverage our Experience

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.

In a recent article by Supply & Demand Chain Executive, Andrew Deutsch, Senior Product & Strategy Director from our Accident & Health team breaks down the intricacies of classification laws and highlights the benefits of occupational accident insurance for independent contractors.

Learn how occupational accident insurance can help ensure independent contractors are protected from an on-the-job accident. Read the full article here.

 

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This article is provided for general informational purposes only and does not consistue or is not intended to replace legal or risk management advice. If there is a discrepancy between the information provided here and the policy, the policy will govern. Intact hereby dislclaims any and all liability arising the information contained herein.

Accident & Health team members host community dinner

by | Oct 24, 2024 | Accident & Health, Community Engagement by A&H, Employees Give Back

Earlier this month, volunteers from our Plymouth office hosted the second annual Community Dinner for the Jeremiah Program, their Community Engagement Partner, at their Minneapolis campus. Famous Dave’s Bar-B-Que catered the event that fed 25 moms and 25 kids. Goodie bags were also gifted to each child. We are proud to partner with the Jeremiah Program, a national organization with a mission to disrupt the cycle of poverty for single mothers and their children, two generations at a time. Kudos to our colleagues for demonstrating the spirit of generosity.

 

 

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Accident & Health Annual Meeting with Community Giveback

by | Oct 15, 2024 | Accident & Health, Community Engagement by A&H, Employees Give Back

Our Accident & Health team recently gathered in Morristown, NJ, for their annual meeting, where they were joined by Pamela Bracher, Deputy General Counsel of the American Trucking Associations, Michael Seff, our Senior Vice President, North America Specialty Lines, Fred Bunsa from PraxisPartners, LLC and Lisa Duff, MS from our Learning and Development team. Each shared valuable insights and information from their respective areas of expertise as a component of the meeting agenda.

As part of the event, the team embraced one of our core values—generosity—by participating in a group giveback. They assembled dog beds, dog toys and cat toys for One Step Closer Animal Rescue (O.S.C.A.R.), a local shelter. O.S.C.A.R. even joined us for a special puppy yoga session while accepting the items, ensuring that the animals waiting for adoption can enjoy a little extra comfort!

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Celebrating National Truck Driver Appreciation Week

by | Sep 15, 2024 | Accident & Health

Happy National Truck Driver Appreciation Week! From September 15-21, we are recognizing and celebrating the commitment and resilience of truck drivers across America. Celebrate with us by sharing your message of “thanks” with #welovetruckers.

Thank you for your invaluable service. Watch our appreciation video by clicking here. 

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Should a 1099 independent contractor have occupational accident?

by | Jun 26, 2024 | Accident & Health, Leverage our Experience

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.

Workers’ Compensation Occupational Accident
Covers employees Covers independent contractors
Provides coverage for an accidental injury in the course of work or work-related illness Provides coverage for an accidental injury in the course of work
Mandatory in most states Not typically mandated by law
Benefits and limits specified by state law Flexible options for benefits and limits
Employer pays the policy premium Options allow contractors or company to pay premium

Should independent contractors have Occupational Accident Insurance? Absolutely.  Without it these 1099 independent contractors may not have any coverage for an on-the-job injury.  Occupational Accident Insurance can provide peace of mind. If an independent contractor is injured while working, Occupational Accident Insurance can provide coverage for medical expenses, payments to their family, and replacing lost income.

Help prepare your clients from financial exposure and recommend Occupational Accident Insurance for their 1099 workers.

 

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This article is provided for general informational purposes only and does not consistue or is not intended to replace legal or risk management advice. If there is a discrepancy between the information provided here and the policy, the policy will govern. Intact hereby dislclaims any and all liability arising the information contained herein.