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Alliant Insurance Services
Transportation Programs
Powering the Future of Transportation Insurance
We are redefining how Independent Contractors, Motor Carriers, Freight Brokers, and Transportation Associations access and manage their insurance. Our transportation programs, delivered through Alliant Insurance Services, combine curated North American markets, digital product management, and custom program design to give you the speed, control, and advocacy you need to thrive.
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Why Partner with MTRHRN?
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Tailored for Independent Contractors, designed to meet the unique needs of owner-operators and small fleets.
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Curated Markets, access to top-tier carriers with appetites for IC, courier, motor carrier, and freight broker risks.
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Exclusive Programs, proprietary relationships and offerings you won’t find anywhere else.
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Nationwide Licensing, authority for A&H, P&C, and Surplus Lines.
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Advocacy at the Core, programs are bundled with IROC & Truckers Integral to Our Economy (TIE) membership, protecting the IC model through active legislative engagement.
Our goal is simple, make your insurance process faster, smarter, and more valuable for your clients, while protecting the business model that keeps them on the road.
Working with MTRHRN
One consolidated application form automatically sent to our curated carrier network for faster quotes and broader market reach.
Digital Submission
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Experienced underwriters who negotiate and navigate markets to secure the best coverage, terms, and pricing for your clients.
Elite Underwritting
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Custom-built digital solutions to automate driver adds/deletes, manage coverage changes, generate COIs, track billing, and keep your clients connected 24/7.
Client Servicing
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Gain Instant Access
When you get appointed with Matterhorn, you unlock immediate access to our curated specialty markets, comprehensive product portfolios, and digital tools that make managing business effortless. From day one, brokers can quote, bind, and service accounts with the speed and support needed to win more business.
Transportation Market
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Comprehensive coverage across all lines.
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10+ A -Rated markets.
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Fast, digital submissions.
Getting Appointed
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Quick Broker Application.
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Activate broker package to start submitting business.
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Full visibility into program brochures, applications, and digital resources.
Submitting Business
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Start quoting and binding the same day your appointment is approved.
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Submit by product line with digital applications.
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Leverage automation for COIs, renewals, and client servicing.
Our Story in Numbers
17+
A Rated Markets
Instant access to curated transportation markets.
50
States Covered
National program coverage.
3.5M
IC Operators in USA
Captive IC market.
35+
Coverages
Comprehensive coverage suite.
Broker Application Center
At Matterhorn, we’ve streamlined the entire QBIP process — Quote, Bind, Issue, Pay — into one digital experience. Once you are appointed, you gain instant access to the Broker Application Center, our hub for digital submissions and account management.
Through the Application Center, brokers can:
Instant Submission
With Matterhorn, brokers gain the ability to submit business instantly. Once appointed, you can access digital applications across all sports risks, transact in real time, and manage accounts through our platform. Automated workflows handle quoting, binding, issuing, and payments—so you can move from submission to coverage without delay.
Build Automations
Matterhorn equips brokers with pre-built automation tools to manage products, policies, and client servicing with ease. From COIs and renewals to product catalogues like Registration Refund and Travel Protection, our AI-driven workflows handle the details—allowing you to deliver faster, reduce admin, and scale your business effortlessly.
Digital Management
Matterhorn equips brokers with pre-built automation tools to manage products, policies, and client servicing with ease. From COIs and renewals to product catalogues like Registration Refund and Travel Protection, our AI-driven workflows handle the details—allowing you to deliver faster, reduce admin, and scale your business effortlessly.
Reporting
Matterhorn gives brokers complete digital control over their business. From quoting and binding to issuing policies and processing payments, every step is managed through our platform. With built-in dashboards, automated tracking, AI-enabled support, and real-time reporting, you can service clients, monitor performance, and manage accounts seamlessly from one place.
Product Portfolio
Matterhorn Insurance Group provides comprehensive transportation insurance solutions across North America, including custom program design, digital product management, embedded coverage options, advanced technology services, and tailored risk management strategies for brokers, motor carriers, independent contractors, and freight brokers.
Product Suite
Independent Contractors
Transportation Team
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Occupational Accident
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NTL
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Physical Damage
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EO/DO
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Travel
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Property
Freight Brokers
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General Liability
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Truck Broker Liability
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Contingent Auto Liability
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Cargo Liability
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Contingent Cargo
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Excess Motor Truck Cargo
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Errors & Omissions
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Cyber
Motor Carrier
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General Liability
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Commercial Auto Liability
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Non-Trucking Liability
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Contingent Liability
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Excess Liability
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Motor Truck Cargo
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Physical Damage
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Workers Compensation
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Occupational Accident
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Cyber
Working with all types...
Below you’ll find sample case studies showing how brokers are using Matterhorn to win more business, reduce admin, and serve their clients better. Each story highlights the power of combining curated markets, custom program design, and our digital servicing platform.
Sample Cases
Challenge: An Independent Contractor group needed a faster, more efficient way to manage coverage, track drivers, and issue documentation without getting bogged down in manual processes.
Solution: We implemented driver management automation, automated COI issuance, and automated billing—all within our digital platform.
Results:
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Reduced coverage cost by 20% through optimized market placement.
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Setup completed in 3 days, enabling immediate operations.
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Ongoing driver adds/deletes, billing, and COI generation now handled automatically, freeing up time for growth.
Independent Contractor
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Challenge: A motor carrier needed to onboard a fleet of Independent Contractor drivers quickly and manage the operation at scale.
Solution: We delivered an automated onboarding process for IC drivers, a real-time driver management board, and automated agency billing—all synced to policy changes.
Results:
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Fleet fully onboarded within one week.
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Driver records, COIs, and billing updated instantly through automation.
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Reduced administrative hours by 40%, improving compliance and service speed.
Motor Carrier
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Challenge: A freight broker wanted a single platform to manage multiple carriers, ensure compliance, and keep certificates and driver records current without manual follow-up.
Solution: We deployed our centralized broker servicing platform, integrating automated COI issuance, policy change tracking, and driver management tools for all contracted carriers.
Results:
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Eliminated manual COI requests with 24/7 broker and client access.
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Improved compliance monitoring and reduced documentation errors by 90%.
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Freed staff to focus on growing new carrier relationships.
Freight Broker
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Challenge: A digital load board wanted to offer excess cargo coverage to Independent Contractors picking up loads—without slowing down the dispatch process.
Solution: We built an embedded coverage option directly into the load board workflow, assigning excess cargo coverage automatically when ICs accept a load.
Results:
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Coverage activation in real time, no extra steps for dispatchers or drivers.
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Enhanced load board value proposition for carriers and ICs.
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Created a new revenue stream through embedded insurance sales.
Embedded Play
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Application Center - Apply Now
Independent Contractor
Purpose: Designed for owner-operators and single-unit IC drivers.
Included Coverages:
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Occupational Accident (OCC/ACC) – Covers accidental injury, disability, and death benefits.
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Contingent Liability – Protects against reclassification risk.
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Physical Damage – Covers truck and trailer for collision, theft, and other perils.
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Non-Trucking Liability (Bobtail) – Liability protection when not under dispatch.
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Optional Cargo Coverage – Protects freight in transit.
Motor Carrier
Purpose: Built for carriers managing fleets of IC drivers or mixed IC/company driver models.
Included Coverages:
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Primary Auto Liability – Meets FMCSA and regulatory requirements.
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Cargo Insurance – Protection for freight in transit.
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Physical Damage – Coverage for owned or leased units.
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General Liability – Covers premises and operations.
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Occupational Accident & Contingent Liability – Provided for contracted IC drivers.
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Optional Excess Liability (Umbrella) – Higher liability limits for large claims.
Freight Broker
Purpose: Freight brokers arranging transportation services without directly operating vehicles.
Included Coverages:
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Contingent Cargo – Protects against cargo loss or damage when a contracted carrier’s coverage fails.
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Contingent Auto Liability – Covers broker liability in the event of a carrier-related accident.
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General Liability – Office and operations coverage.
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Errors & Omissions (E&O) – Protects against claims from professional service mistakes.
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Cyber Liability – Optional coverage for data breaches and digital threats.
Applications + Underwriting
Submit any of our program applications through the digital forms below. We shop each opportunity across our curated carrier network and return a client-ready proposal for your review and delivery. Everything is handled digitally, from quote to bind.
Application Center
Underwriting
Independent Contractor Application
Our Independent Contractors Application makes it easy to apply for essential coverages like Occupational Accident, Contingent Liability, Physical Damage, and more—all in one place.
Our Freight Broker Application makes it easy to apply for the essential coverages you need to stay compliant and competitive.
Complete coverage for carriers of all sizes. One application. Fast, flexible protection.
Our Motor Carrier Application gives you access to top-tier coverage options for fleets, owner-operators, and regional carriers. Submit once and we’ll match your risk to the best-fit A-rated markets.
Complete our quick broker application to get appointed and unlock access to exclusive A-rated markets, digital tools, and custom program applications across sports, events, and specialty sectors.
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Market Shopping
We instantly match your application to the best available carriers for your client’s needs. -
Proposal Delivery
You’ll receive a polished, client-ready proposal straight to your inbox. -
Underwriting & Binding
Once approved, UW and binding are completed using easy, secure digital forms. -
Billing Setup
Whether direct bill, agency bill, or client pay—we’ll tailor billing to your workflow.
Partners + Programs
Purpose-built programs for independent drivers, small fleets, and freight professionals.
We’ve partnered with leading transportation networks to build programs that offer more than just coverage, they deliver community, compliance, and custom-fit protection. Whether you're an independent contractor or managing a small fleet, we’ve designed programs that help you operate smarter and safer.
Trusted Partners
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Carrier Network
We work with over 10 A-rated insurance carriers who partner directly with our in-house underwriting team to build and quote tailored solutions.
This means:
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Direct market access — no third-party delays
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Faster turnaround times
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Stronger program design flexibility
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Better pricing leverage for your clients
IROC: Independent Road Operators Collective
A digital-first program created for independent truckers and small carriers.
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Streamlined access to Occupational Accident, Contingent Liability, and Physical Damage
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Driver onboarding tools, digital applications, and certificate automation
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Community benefits: compliance support, gas card discounts, and association perks
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Designed for true independents and leased-on drivers alike
TIE – Truckers Integral to the Economy
TIE is a 501(c)(4) association dedicated to preserving the independent contractor model in trucking. Through our partnership, we offer insurance solutions that align with TIE's mission to support independent operators.
Program Highlights: -
Access to Occupational Accident, Contingent Liability, Physical Damage, and more
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Tailored for independent contractors and small to midsize fleets
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Streamlined digital applications and quick policy issuance
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Exclusive member benefits, including compliance resources and advocacy support
Technology
We’re building the smartest broker toolkit in the industry—powered by leading technology and AI partners.
Matterhorn is committed to redefining what it means to be a modern MGA. From submissions to servicing, we’re investing in automation and innovation that puts brokers ahead of the curve.
Working with MTRHRN
Getting started with Matterhorn is fast, digital, and built to help you win. Whether you're new to transportation insurance or ready to scale your existing book, we make it easy to gain access, quote with top-tier markets, and deliver winning solutions to your clients.
Start by joining our Broker Partner Network.
You’ll gain access to:
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Exclusive Transportation Programs and Markets
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A-Rated Carrier Markets with preferred pricing and broad coverage
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Pre-built Applications designed for fast turnaround
Request Broker Appointment
One digital submission. Multiple curated markets. Fast, winning proposals.
Once appointed, you'll unlock:
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Digital Applications — Submit once, route to the best-fit carriers. No PDFs or email chains.
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Curated Market Access — We match each submission to A-rated programs tailored to your client.
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Client Proposal Tools — Generate and send polished proposals directly from our platform.
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Tech Integration Support — Need embedded coverage, COIs, or portals? We’ll build it with you.
Submit Opportunities
Sports Program
League Presidents & Directors
At Matterhorn Insurance Group, we’ve built a national program specifically for league directors and youth sports organizations — offering the most comprehensive and competitively priced coverage in the industry.
From day-to-day operations to game-day risks, our solutions are designed to safeguard what matters most — your coaches, volunteers, participants, and facilities.
Program Highlights
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General Liability (GL) – Broad protection tailored for sports operations, including participant liability, abuse & molestation, and spectator injury
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Accident Medical Expense (AME) – Coverage for players, coaches, and volunteers with industry-leading limits and pricing
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Event Coverage – Protection against weather, cancellations, non-appearance, and other key event-day disruptions
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Property Coverage – Insures fields, gear, equipment, storage units, and indoor facilities
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Directors & Officers (D&O) / Errors & Omissions (E&O) – Covers board members, volunteers, and administrators from legal exposures tied to organizational decisions
Market Access
All of our programs are built on A-rated paper through trusted national insurance markets. We maintain broad market access, allowing us to bring the most competitive terms to the table — even for complex risks.
Our underwriting team understands the unique exposures in youth sports and recreational organizations. We use that expertise to:
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Structure coverage that aligns with real-world risk
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Secure top-tier pricing by knowing where and how to place the business
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Avoid unnecessary gaps, exclusions, or generic policies that don’t fit your operation
Trusted Partners
Matterhorn Insurance Group is proud to be the trusted insurance partner of both NAYS (National Alliance for Youth Sports) and PLACT (Play Like a Champion Today) — two of the most respected organizations in youth sports. Through these partnerships, we’ve built national insurance programs that align with their mission to promote safe, inclusive, and values-driven sports environments. Our collaboration allows us to deliver best-in-class coverage, including AME, GL, D&O, and event protection, while offering exclusive access and pricing to their member leagues, coaches, and administrators.
Sports Program
Managers, Coaches, Trainers
We understand that managers, coaches, and trainers are the backbone of every successful team. That’s why we’ve built a national insurance program specifically designed to protect the individuals who lead, train, and care for athletes at every level of play.
Our program offers comprehensive coverage, competitive pricing, and digital tools that make it easy for sports organizations to safeguard their staff — while giving peace of mind to the people who show up day in and day out to make youth sports possible.
Program Highlights
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General Liability (GL) – Covers injuries, incidents, and legal exposures while coaching or training
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Accident Medical Expense (AME) – Coverage for coaches, managers, and trainers if injured during sanctioned activities
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Directors & Officers (D&O) / Errors & Omissions (E&O) – Protection for administrative decisions and leadership roles
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Registration Refund Protection – Optional coverage to protect team registrations, including “any reason” refunds and built-in AME for staff and participants
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Event Coverage – Available for tournaments, clinics, and training sessions run by individual staff or teams
Market Access
All of our coverage for managers, coaches, and trainers is built on A-rated paper from trusted national insurance carriers. With broad market access and deep experience in youth sports risk, we deliver specialized protection at the most competitive terms available — even for individuals or programs with unique needs.
Our underwriting team understands the real-world exposures these roles face on and off the field. We use that expertise to:
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Design coverage that reflects the day-to-day risks of coaching, managing, and training
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Deliver top-tier pricing by placing business strategically across our carrier network
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Eliminate gaps, limitations, and generic policies that often miss the mark for sports staff
The result: reliable, purpose-built protection for the people who make youth sports possible.
Trusted Partners
Matterhorn Insurance Group is proud to be the trusted insurance partner of NAYS (National Alliance for Youth Sports) and PLACT (Play Like a Champion Today) — two of the most respected organizations supporting youth sports leaders across the country. Through these partnerships, we’ve developed specialized insurance programs designed to protect managers, coaches, and trainers, aligning with the mission of creating safe, inclusive, and values-driven sports environments. Our programs offer best-in-class coverage — including AME, GL, D&O, and event protection — along with exclusive access and pricing for certified coaches, team staff, and volunteers, ensuring they’re protected on and off the field.
Sports Program
Registration Refund Protection
Matterhorn’s Registration Refund Protection is built to give parents and teams peace of mind.
Our program offers the most competitive pricing in the market, with flexible delivery methods — including embedded protection within registration platforms or simple payment links sent directly to teams or participants. Whether through a national sports tech partner or a local tournament director, our solution scales to fit your event needs.
Program Highlights
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Best-in-Class Policy Language – Covers any reason refunds with simplified claims and better terms than traditional refund competitors
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Built-In AME Coverage – Optional accident medical protection for participants with customizable limits
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Embedded into Checkout – Seamlessly integrates with registration platforms or event portals
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On-Demand Payment Links – Easy to send to teams or participants post-registration
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Most Competitive Pricing – Designed for mass affordability with margins that support both users and organizers
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Trusted by Industry Leaders – Selected by Under Armour and NAYS events as their refund and AME solution provider
Market Access
All of our Registration Refund Protection programs are backed by A-rated carriers and designed through deep expertise in youth sports and event operations. We work with trusted national insurance markets to deliver the strongest refund policy language and the most competitive pricing in the industry.
Our underwriting and product development team understands the real-world needs of sports organizations, parents, and event operators. We use that expertise to:
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Build refund coverage that reflects how events and registrations actually work
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Secure industry-best pricing through smart product structuring and scaled deployment
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Eliminate the limitations, exclusions, and fine print often found in other refund offerings
The result: a clear, powerful, and trusted protection solution that works for your organization and the families you serve.
Trusted Partners
Matterhorn Insurance Group is proud to be the trusted provider of Registration Refund Protection for both Under Armour Youth Sports and the National Alliance for Youth Sports (NAYS) — two of the most recognized and respected names in youth athletics. Together, we’ve developed a national refund program that ensures families are protected when plans change, while giving organizations a seamless, tech-enabled solution to offer added value. With industry-leading pricing, “any reason” policy language, and the ability to embed coverage directly into registration platforms, our program sets the standard. We also offer optional built-in AME coverage, giving families even greater protection — all backed by A-rated carriers and trusted by leaders across the sports industry.
Sports Program
Enterprise Accounts
At Matterhorn Insurance Group, we specialize in working with enterprise-level clients who need more than just access to insurance markets — they need a strategic partner. Our team collaborates closely with brokers, risk managers, and organizational leadership to design, underwrite, and deploy custom insurance programs that address unique, high-stakes exposures.
Discovery & Risk Mapping
We start with a hands-on discovery process to understand your organization's structure, exposures, and operational goals — then map those risks into a framework for strategic coverage.
Custom Program Design & Carrier Alignment
Our underwriting team designs bespoke insurance programs aligned with your unique needs, leveraging our deep carrier relationships to secure the right terms, limits, and pricing.
Technology Integration & Automation
We integrate modern solutions — from policy portals and client dashboards to APIs and automated workflows — making enrollment, claims, and servicing streamlined and scalable.
Ongoing Program Management & Growth
We don’t walk away after bind. Our team stays engaged with ongoing support, data insights, performance reviews, and scaling strategies to ensure your program evolves as you do.
Let's Build Together
When you work with Matterhorn, you gain more than a market or a tech tool — you gain a strategic partner.
We work side-by-side with you to build, launch, and scale solutions that set your brokerage apart.
Let’s grow together — with purpose, performance, and partnership.