NICA | Gallagher USA

Working with NICA and the insurance marketplace, Gallagher’s Transportation Practice has put together an occupational accident policy designed exclusively for the Independent Contractors affiliated with NICA. This occupational accident policy, marketed and administered through Gallagher, provides both medical and disability benefits in the event the Independent Contractor is injured in an occupational accident.

The following chart is provided for general informational purposes only. Please refer to the specific policy for all policy terms, coverages, limitations, exclusions and conditions of the policy language.

Claim Reporting

In the event of an injury, please report your claim to:

Gallagher Bassett Services, Inc./CMC
800.821.5401

Independent Contractor Insurance Coverages

2-Wheel Delivery Vehicles: $150,000 CSL

On-The-Job Accident Medical Benefit $150,000 ($250 deductible)
Temporary Total Disability Benefits are based on 75% of the Average Weekly Earnings up to a maximum of $500 per week. Average weekly earnings are calculated as 75% of the Gross Weekly Earnings.
On-The-Job Accidental Death and Dismemberment Benefit up to $50,000
Non-Occupational Accident Benefits $10,000 Accidental Death and Dismemberment, $5,000 Medical Expense Limit ($250 Deductible) NO DISABILITY BENEFITS FOR OFF-THE-JOB

For a copy of the Schedule of Benefits and Policy Wording available to the Independent Contractor Members of NICA, Inc., please click on one of the following links:

View Policy Wording

5th Wheel: $1,000,000 CSL

On-The-Job Accident Medical Benefit $1,000,000 ($250 deductible)
Temporary Total Disability Benefits are based on 75% of the Average Weekly Earnings up to a maximum of $500 per week. Average weekly earnings are calculated as 75% of the Gross Weekly Earnings.
On-The-Job Accidental Death and Dismemberment Benefit up to $150,000
Non-Occupational Accident Benefits $10,000 Accidental Death and Dismemberment, $5,000 Medical Expense Limit ($250 Deductible) NO DISABILITY BENEFITS FOR OFF-THE-JOB

For a copy of the standard Schedule of Benefits and Policy Wording available to the Independent Contractor Members of NICA, Inc., please click on one of the following links:

View Schedule of Benefits

View Policy Wording

5th Wheel: $500,000 CSL

On-The-Job Accident Medical Benefit $500,000 ($250 deductible)
Temporary Total Disability Benefits are based on 75% of the Average Weekly Earnings up to a maximum of $500 per week. Average weekly earnings are calculated as 75% of the Gross Weekly Earnings.
On-The-Job Accidental Death and Dismemberment Benefit up to $150,000
Non-Occupational Accident Benefits $10,000 Accidental Death and Dismemberment, $5,000 Medical Expense Limit ($250 Deductible) NO DISABILITY BENEFITS FOR OFF-THE-JOB

For a copy of the standard Schedule of Benefits and Policy Wording available to the Independent Contractor Members of NICA, Inc., please click on one of the following links:

View Schedule of Benefits

View Policy Wording

Courier Coverage: $1,000,000 CSL

On-The-Job Accident Medical Benefit $1,000,000 ($250 deductible)
Temporary Total Disability Benefits are based on 75% of the Average Weekly Earnings up to a maximum of $500 per week. Average weekly earnings are calculated as 75% of the Gross Weekly Earnings.
On-The-Job Accidental Death and Dismemberment Benefit up to $150,000
Non-Occupational Accident Benefits $10,000 Accidental Death and Dismemberment, $5,000 Medical Expense Limit ($250 Deductible) NO DISABILITY BENEFITS FOR OFF-THE-JOB

For a copy of the standard Schedule of Benefits and Policy Wording available to the Independent Contractor Members of NICA, Inc., please click on one of the following links:

View Schedule of Benefits

View Policy Wording

Courier Coverage $400,000 CSL

On-The-Job Accident Medical Benefit $400,000 ($250 deductible)
Temporary Total Disability Benefits are based on 75% of the Average Weekly Earnings up to a maximum of $500 per week. Average weekly earnings are calculated as 75% of the Gross Weekly Earnings.
On-The-Job Accidental Death and Dismemberment Benefit up to $150,000
Non-Occupational Accident Benefits $10,000 Accidental Death and Dismemberment, $5,000 Medical Expense Limit ($250 Deductible) NO DISABILITY BENEFITS FOR OFF-THE-JOB

For a copy of the standard Schedule of Benefits and Policy Wording available to the Independent Contractor Members of NICA, Inc., please click on one of the following links:

View Schedule of Benefits

View Policy Wording

Straight Truck: $500,000 CSL

On-The-Job Accident Medical Benefit $500,000 ($250 deductible)
Temporary Total Disability Benefits are based on 75% of the Average Weekly Earnings up to a maximum of $500 per week. Average weekly earnings are calculated as 75% of the Gross Weekly Earnings.
On-The-Job Accidental Death and Dismemberment Benefit up to $150,000
Non-Occupational Accident Benefits $10,000 Accidental Death and Dismemberment, $5,000 Medical Expense Limit ($250 Deductible) NO DISABILITY BENEFITS FOR OFF-THE-JOB

For a copy of the standard Schedule of Benefits and Policy Wording available to the Independent Contractor Members of NICA, Inc., please click on one of the following links:

View Schedule of Benefits

View Policy Wording

Arthur J. Gallagher Risk Management Services, Inc. ("AJGRMS") is a licensed insurance broker in all states and must be contacted directly for specific insurance information and advice. Information available on this site may not be applicable to the specific business of any NICA member or Web site visitor. The use of this Web site for any other purposes is strictly prohibited and any liability associated therewith is expressly disclaimed by AJGRMS, Arthur J. Gallagher & Co. and any of its subsidiary companies.