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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
BOOK A CALL WITH RICHARD
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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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Placing a trucking or last-mile account?

Book a short call with Richard Sturm to walk through appetite, limits, and how to get appointed. Truckers Insured (legacy program) remains available on request.

BOOK A CALL WITH RICHARD

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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