Frequently Asked Questions

• How can I reach a live representative?
• What payment types are accepted on NICA Direct?
• What is Occupational Accident Insurance?
• Once I purchase an insurance product when will my coverage be effective?
• What proof will be provided that I have Occupational Accident coverage?
• How do I request an Occupational Accident Certificate of Insurance for additional holders?
• Where can I find the Occupational Accident Insurance Policy wording and Schedule of Benefits?
• I have subcontractors working for me. How can they be covered under the Occupational Accident policy?
• How do I initiate an Occupational Accident claim?
• How is the Disability Benefit for Occupational Accident calculated?
• What is Cargo insurance?
• Can I use multiple vehicles under the Cargo Insurance Policy?
• After enrollment how do I change personal information?
• How do I purchase additional products?
• How do I edit Beneficiary Information on my Occupational Accident Insurance Policy?
• Can I cancel the insurance products at any time?
• How do I cancel Occupational Accident or Cargo Insurance?

How can I reach a live representative?

You can reach out to NICA Direct Customer Care by calling us toll-free at 800-551-NICA (6422) or via email: info@nicadirect.com. Our associates will be happy to assist you!

What payment types are accepted on NICADirect.com and the NICA Direct app?

Payments for NICA Direct Products can be made with a debit or credit card: we accept VISA, MasterCard, American Express, and Discover. We will also accept prepaid cards. Please contact us if you have additional questions.

What is Occupational Accident Insurance*?

Note: Occupational Accident Insurance is not a substitution for health insurance.
NICA Direct offers individuals the opportunity to purchase Occupational Accident insurance at affordable group rates. Occupational Accident Insurance* provides both medical and disability benefits in the event you are injured in an “on the job accident” while dispatched as an Independent Contractor. As an added benefit, these policies also include some off the job medical and accidental death and dismemberment benefits. After answering a few basic questions you’ll be able to choose from various coverage limits that best suit your needs and budget. Currently, the Occupational Accident Insurance is available for individuals working in the delivery /courier, livery, and cable industries. Due to constraints imposed by the underwriter, other industries are not eligible. If the work you perform is not listed above, call NICA Direct Customer Service to see if we would be able to provide coverage. (*This is NOT Worker’s Compensation, Health Insurance or Liability Insurance. Please be aware that coverage is only available for individuals between ages of 18 and 75 except truckers that are between 21 and 75 years of age. Preexisting conditions are not covered under this policy. Benefits subject to all policy terms, conditions, and exclusions in the policy).

Once I purchase an insurance product when will my coverage be effective?

This depends on which product you purchase and the date of your purchase. Occupational Accident Insurance* and Cargo Insurance will be effective the business day after you purchase these products.

What proof will be provided that I have Occupational Accident coverage?

Once NICA Direct validates the initial payment, you will receive an email notifying you that a downloadable certificate of Insurance to show proof of Occupational Accident Insurance* coverage is available in the NICA Direct app on your Account page in the Documents. If needed, you can obtain a certificate of insurance listing a contracting company you are doing business with as a certificate holder, simply use the Contact function in the NICA Direct app. Certificate holders may be notified if there is any lapse in coverage. You will be able to request additional certificates and specify Certificate Holders through the NICA Direct app.

How do I request an Occupational Accident Certificate of Insurance for additional holders?

After completion of the check out process where Occupational Accident coverage was purchased, an insurance certificate would have been emailed to you listing yourself as the Certificate Holder. In order to request additional certificates you will need to log into the NICA Direct app. Under Products in your Account, select your Occupational Accident coverage. There will be a link to “Request Certificate.”

Where can I find the Occupational Accident Insurance Policy wording and Schedule of Benefits?

You can log into your account on the NICA Direct app at any time to view the Policy Wording and Schedule of Benefits for the Occupational Accident Insurance*. It will be located on your Account page in the Documents.

I have subcontractors working for me. How can they be covered under the Occupational Accident policy?

The subcontractors will need to follow the same process as any self-employed individual to purchase coverage for themselves.

How do I initiate an Occupational Accident claim?

• You will need to initiate your claim within a 24 hour time frame by calling Gallagher Bassett at 800-821-5401 Ext. 5216 or 5522. If your injury prevents you from being able to file the claim before you are treated, seek immediate treatment.
• You must inform your claims handler at the time of claim if you have been advised that you will be, or already have been out of work for 7 or more days. Your claims handler will then include an additional form for the Disability portion of your claim. You will not receive this form as part of your claim packet without notifying the claims handler of your disability. Disability is only paid out on this policy if you have been out 7 or more days.
• Up to 48 hours after the injury, go to any doctor or hospital without prior authorization.
• If being treated for an injury which occurred more than 48 hours ago you must receive prior authorization.
• When asked by the facility at which you are being treated if you were on the job when this injury occurred, please notify them that you are covered under an occupational accident policy. Remember that this is not Worker’s Compensation, and that you are an Independent Contractor. If you advise that you are employed, or do not specify, the facility may begin the process of filing a Worker’s Compensation claim, this will stop your Occupational Accident Insurance claim from being processed.
• Both you and your doctor must fill out the claim forms immediately after receipt to avoid delayed payment. Invoices for medical services rendered must be received no later than 90 days after the claim is filed to be paid.
• Our team reviews and verifies all supplied information.

How is the Disability Benefit for Occupational Accident calculated?

Disability Benefits are based 75% of the Average Weekly Earnings as defined by the policy up to a maximum of $500 per week (a maximum of $600 per week for truckers $1 million limit).

What is Cargo insurance?

Cargo Insurance covers property of others that you are transporting under dispatch as an Independent Contractor. The NICA Direct Cargo program also includes an extension to basic Cargo insurance, by providing some coverage to other property, not just your cargo, during pick up or delivery. If you scratch a floor, dent a wall, or cause damage to your customer’s property, you’re covered up to a specific limit! There are various policy limits to choose from. All at low monthly rates!

Can I use multiple vehicles under the Cargo Insurance Policy?

The policy is vehicle specific. If you replace your vehicle the insurance company needs to be notified within 10 days. This can be done by logging into the NICA Direct app, navigating to your Account, and editing the vehicle information.

After enrollment how do I change personal information?

To change personal information, log into the NICA Direct app and navigate to your Profile. Select the pencil icon and you will be able to change any of your personal information (payment, banking, etc).

How do I purchase additional products?

To add a product, log into the NICA Direct app and navigate to the Products page. Select the Product you would like to add and follow the prompts to add it to your account. Once you remit payment for the Product and it is processed, your Account will be updated to reflect this addition and, if there are documents associated with the Product, downloadable versions will be located in the Documents section of your Account.

How do I edit Beneficiary Information on my Occupational Accident Insurance Policy?

To change Beneficiary Information, log into the NICA Direct app. In your Account, select your Occupational Accident Insurance* coverage. You will see a pencil icon, select that to edit the Beneficiary information on your policy.

Can I cancel the insurance products at any time?

There are no long term commitment requirements to purchase any of our recurring billing products. However, when cancelling any of the Insurance Products, your benefits will remain in effect up until the last day for which coverage has been paid in full. There are no refunds once a purchase has been made and you will be covered through the coverage period.

How do I cancel Occupational Accident or Cargo Insurance?

To cancel your Occupational Accident and/or Cargo Insurance, log into the NICA Direct app. In your Account, view your Products. Select the coverage you want to cancel. Follow the prompts to terminate coverage. You will receive an email confirmation that you have successfully canceled the product. Please note, when cancelling Occupational Accident and/or Cargo Insurance, your coverage will remain in effect up until 12:00 AM of the last day for which coverage has been paid in full. There are no refunds once a purchase has been made and you will be covered through the end of the coverage period.