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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.

Occupational Accident Insurance

Occupational Accident Insurance* is a specialized policy that protects independent contractors while they are working. It ensures that your business is shielded from liability if an injury occurs on the job.

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Charles Daley
Limousine Owner
Boise, ID   |    Member since 2024
Charles Daley Gig Worker Headshot
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Occupational Accident Insurance
Enrolled 2024   |   Policy Active
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What is Occupational Accident Insurance?

When contractors are injured and unable to work, Occupational Accident Insurance* provides medical, disability, and accidental death and dismemberment benefits. NICA Direct’s program even extends to certain off-the-job incidents, helping companies maintain compliance and reduce risk exposure. (Benefits are subject to all policy terms, conditions and exclusions.)
$500k Benefit Schedule$1M Benefit Schedule

NICA Direct Occupational Accident Insurance Policies

Occupational Accident Insurance administered by Arthur J Gallagher specifically designed to pay for medical expenses if you’re injured while you are working.

Independent Contractor

$1 Million

$101.00 per month

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Independent Contractor

$500,000

$81.00 per month

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Straight Truck

$1 Million

$142.00 per month

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Straight Truck

$500,000

$128.00 per month

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Note: Independent Contractors plans are for: Bikers, Limo Drivers, Couriers, Installers, and Cable Techs

Protect Your Livelihood With Occupational Accident Insurance

Your work comes with risk—and without Occupational Accident Insurance*, a serious injury could have lasting financial consequences. Traditional health insurance rarely covers work-related injuries, and auto insurance offers limited protection.

We provide dependable Occupational Accident Insurance* that safeguards your income, reduces liability, and helps you stay protected on the job.
Most contracting companies require proof of injury coverage before allowing independent contractors to begin work. NICA Direct provides certificates of insurance quickly and efficiently, making it easier for your company to stay compliant and attract qualified contractors.
Securing workers’ compensation coverage individually can be prohibitively expensive. NICA Direct leverages the buying power of thousands of contractors to secure Occupational Accident Insurance* at group rates, giving your company affordable access to essential protection.

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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