White accident icon showing a person with his arm in a sling

File a Claim

Log into the NICA Direct app to file a claim or call Arthur J. Gallagher Risk Management Services at 800-821-5401 Ext. 5216 or 5522.
National Independent Contractors Association

Insurance, Tax, and Income Solutions for Independent Contractors

Portable benefit solutions for gig workers.
NICA Direct takes the complexity out of being an Independent Contractor by providing the essential services you need to protect your income, health, and future—all in one place.

Gregory Pollock Gig Worker Headshot
Greg Pollock
Limousine Driver
Irvine, CA    |    Member since 2023
Kyle Richardson Gig Worker Headshot
Kyle Richardson
Backyard Installation Tech
Miami, FL    |    Member since 2024
Alice MacKenzie Gig Worker Headshot
Alice MacKenzie
Professional Courier
Bozeman, MT    |    Member since 2024
NICA Direct app login screen.
White accident icon showing a person with his arm in a sling
White health insurance icon featuring a cross on a shield
White coin icon with a dollar symbol in the center of a circle

NICA Direct Services

NICA simplifies the most complex parts of being an Independent Contractor by preparing taxes, managing deductions, and providing access to affordable insurance plans tailored to your needs.

Join Our Waitlist

Occupational Accident Insurance

Occupational Accident Insurance* policy is specifically designed for self-employed individuals or 1099 individuals, which pays for specific medical expenses if you’re injured while you are working as an Independent Contractor, or contracted as a 1099 Individual and dispatched on a job.

Cargo Insurance

Protect your cargo and cover potential damage caused to the property of others during a delivery with Cargo insurance administered by Arthur J. Gallagher Risk Management Services, Inc.
Sarah Mederios
Bicycle Courier
Anderson, SC
Member since 2024
David Klapman
Tractor Trailer Operator
Canton, MA
Member since 2024
Steven Fernandez
Delivery Van Driver
Tampa, FL
Member since 2023
Charles Daley
Limousine Owner
Boise, ID
Member since 2024
Andre Barbosa
Semi-Trailer Truck Owner
Chicago, IL
Member since 2025
Krista Eagan
Delivery Driver
Dallas, TX
Member since 2024
Kyle Richardson
Backyard Installation Expert
Atlanta, GA
Member since 2023
Kathryn MacDonald
Interior Designer
Boston, MA
Member since 2025
Gregory Pollock
Limousine Driver
Irvine, CA
Member since 2024
Alex Jackson
Interstate Deliveries
Baltimore, MD
Member since 2024
Alfred Cambrey
Home Installations
Spokane, WA
Member since 2024
Julie Vargas
Courier & Delivery Driver
Hoboken, NJ
Member since 2024
Alice MacKenzie
Professional Courier
Bozeman, MT
Member since 2024

For more than thirty years, NICA Direct has been dedicated to supporting Independent Contractors.

While the industry has evolved, the rewards—and challenges—of working independently remain. We understand the unique insurance and tax concerns you face, and we leverage our group buying power to keep these essential services affordable. By providing individuals with the collective strength of the group, we’ve been able to continually expand our benefits.

Become a NICA Direct Member Today!

NICA Direct provides Independent Contractors and small business owners with affordable benefits and services, from insurance protection to tax preparation, making it simple to manage the essentials of self-employment.

Join Our Waitlist