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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.

About NICA Direct

NICA Direct is not about us, it’s about you! Our company provides an easy, painless, fast and convenient way to obtain self-employed benefits and services.

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Custom Solutions for Independent Contractors

NICA Direct was started to make the process of attaining these quality benefits / products extremely easy because we know that your time is valuable. Whether you are an individual or own a small business, we know you’d rather be earning money than having to deal with those types of issues. Don’t worry! You’re only a few clicks away.
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Member Enrollment
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Cargo Insurance
Verified
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Occupational Accident Insurance
Enrolled 2024   |   Policy Active
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Meet Our Founder

Thomas McGrath founded NICA over 35 years ago to provide quality benefits and insurance products to Independent Contractors across the United States. Today, NICA Direct has grown to provide Independent Contractors with Occupational Accident Insurance, Cargo Insurance, General Liability Insurance and Tax Preparation.
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Alex Jackson
Interstate Deliveries
Baltimore, MD  |  Member since 2025
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Alfred Cambrey
Home Installations
Spokane, WA   |   Member since 2024
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Julie Vargas
Courier & Delivery Driver
Hoboken, NJ    |    Member since 2024

Benefits Made Easy

All of the insurance products offered through NICA Direct will help protect the investment that you have made in yourself. These products and services are supported by some of the most trusted names in the industry.

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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.

General Liability Insurance

General Liability Insurance is a foundational type of business insurance that protects against financial losses from claims of bodily injury, property damage, or personal and advertising injury caused by your business operations.

Health, Vision, and Dental Insurance

Gallagher is your partner for affordable and comprehensive health insurance and pharmacy solutions designed exclusively for individuals, families, business owners, and independent contracors. Coverage is available across the country as an exclusive benefit of membership with NICA Direct.

Become a NICA Direct Member Today!

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

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NICA Direct

Insurance, Tax, and Income Solutions for Independent Contractors.
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*Occupational Accident Insurance is not medical or health insurance. The Occupational Accident Program is a designed policy to pay medical and disability benefits for injuries sustained while you are working or dispatched as a 1099 Independent Contractor.

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