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EXCLUSIVE MARKET ACCESS

Unrestricted, High-Limit programs reserved for our agency partners. The coverage competitors can't touch. Auto protects the Public. GL Protects the Business. You Protect the Driver!

  • Specialized Underwriting
  • 1-Hour Turnaround
  • NO 1st-Month Deposits
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ALL 48-STATE PREMIER

Unrestricted National Reach
$ 160–180 Monthly Per Driver
  • Unrestricted 48-State Underwriting: We write the OTR risks other carriers decline
  • Tiered Medical: $500,000 at $160 — $1,000,000 High-Limit at $180
  • Zero Deductible Access: Immediate first-dollar protection
  • Elite Driver Retention: Use these limits to keep your best owner-operators.
SPECIALTY
AGENT RESOURCES
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LAST MILE & INSTALL

The Complete Delivery Shield
$ 160–180 Monthly Per Driver
  • Installation Protection: Specifically covers injuries during furniture and appliance installs
  • White-Glove Underwriting: Designed for final-mile, courier, and local delivery fleets
  • Tiered Medical: $500,000 at $160 — $1,000,000 High-Limit at $180
  • Lowe's, Home Depot, Wayfair, etc.: Compliant
SPECIALTY
AGENT RESOURCES

ONE SIMPLE APP. ZERO RED TAPE

We’ve distilled the entire enrollment process into two digital touchpoints. No more chasing drivers for signatures or re-entering data

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LITE

Entry Level Protection
$ 105 Monthly Per Driver
  • $100,000 Medical Max
  • $0 Deductible
  • $250/week Disability
  • $125,000 Accidental Death
Entry Level
AGENT RESOURCES

STANDARD

Best for Regional
$ 130 Monthly Per Driver
  • $150,000 Medical Max
  • $0 Deductible
  • $300 Week Disability: Reliable income protection for OTR drivers
  • $150,000 Life Benefit: Support for the driver's family
Popular
AGENT RESOURCES

HEAVY DUTY

Maximum Protection
$ 160 Monthly Per Driver
  • $1,000,000 Medical Max: Industrial-strength medical protection
  • $0 Deductible
  • $700/week Disability: The highest wage replacement in our standard fleet lineup
  • $200,000 Life Benefit: Maximum survivor support for the driver's family
Best Value!
AGENT RESOURCES

THE 1099PROTECT MISSION

Bridging the gap between carrier compliance and driver protection

We believe that protecting 1099 drivers shouldn’t be a hurdle to growing your agency. Traditional insurance timelines and administrative ‘red tape’ often leave trucking fleets and delivery teams vulnerable.

Our mission is to provide Instant-Bind Solutions that prioritize speed without sacrificing limits. By engineering programs specifically for OTR O/Os, 48-state haulers, and last-mile installers, we ensure that every driver in your book has an ‘Executive Class’ safety net.

We don’t just provide a policy; we provide a partnership that removes the ‘grunt work’ of roster management and billing, allowing you to focus on what you do best: securing the next account.

One Account Setup

Complete the master account application once. This establishes the fleet, the billing structure, and the chosen coverage limits. Done in under 5 minutes

One Driver Form

Individual 1099 drivers complete a streamlined fillable PDF or a mobile-friendly form. It is designed to be completed in 3 minutes or finished in the cab of the truck between loads.

Simple Signatures

The driver can wet-sign or e-sign. If you need help with gathering signatures our system can handle that for you.

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