Protect The
Pros & Guides
Behind The Sport.
Coaches, guides, instructors, officials, and outfitter staff in sport are paid as 1099 independent contractors. They have no employer-paid Workers' Comp, no employer disability, and no employer-side liability defense.
Matterhorn fixes that. Occupational Accident, General Liability, Professional Liability, Equipment, HNOA, and Excess — designed for the way sport actually works and embedded into the outfitters, lodges, and platforms that hire the IC.
Professionals
One Stack
1099 Pro
GWP Pipeline
Discovery to Bind. Specialist on Every Account.
We don't blast IC submissions to a generic list. Four steps from sport-specific discovery to bind — then a dedicated specialist on every account once the program is live. The same disciplined approach across every sport-IC class we touch.
30 minutes with a Matterhorn sport-IC specialist. We map the sport, the venues, the assigning bodies, the contract flow, and the gear stack — then design a coverage architecture that fits the way the IC actually earns. No generic forms, no square pegs into round holes.
Built for the way sport actually works.
Sport runs on contractors — and contractors run on the wrong policies. Matterhorn rebuilds the protection stack for the way the IC actually earns.
The 1099 Pro Behind Every Sport.
Sport runs on contractors. Charter captains, whitewater guides, ski pros, golf pros, officials, certified trainers, camp counselors — paid 1099 by outfitters, lodges, leagues, academies, resorts, and booking platforms. They are the operating layer of every sport, and they almost never carry the right protection stack.
"Sport-specific instructors paid per session, per camp, or per event — fly fishing instructors, SUP & kayak coaches, ski & snowboard pros, tennis pros, golf pros, climbing instructors, rowing coaches. They contract with academies, resorts, marinas, clubs, schools, and online platforms."
- →Per-session or per-clinic pay
- →Multiple contracting venues
- →1099 paid — no employer work-injury coverage
- →Personal gear, personal liability
Six Coverages. One Integrated Stack.
Each line is purpose-built for the sports IC. Together they protect the IC, the participants, the gear, and the outfitter or platform that put them in the game.
The work-injury core for the IC in sport. Accident medical, accident disability, and accidental death benefits — paid when the IC is hurt on the job. The product Workers' Comp doesn't exist to be for the 1099.
- 01.Up to $1M accident medical
- 02.Weekly accident disability
- 03.$200K+ AD&D options
- 04.24-hour or on-the-job triggers
A Massive 1099 Sports Workforce.
Estimated population of sports professionals working primarily on a 1099 basis — across fishing, paddle, snow, fitness, racquet, officiating, and camp segments.
// Sources: USCG MMC database, ACA, PSIA-AASI, NSCA / ACSM membership, NASO, PGA / USPTA / PTR, ACA accreditation registry. Counts are estimated 2024 active U.S. populations. GWP figures are Matterhorn modeled estimates assuming target carrier penetration.
The Platform Behind Every IC.
A single IC-program backbone that handles intake, quoting, binding, certificates, rosters, and bordereau — for the solo guide, the 200-IC outfitter, and the booking platform onboarding thousands. Carrier-grade data discipline, broker-grade speed.
Policy Lifecycle in One Console
QuickQuote intake, instant binding for Tier 1 risks, digital COIs, mid-term endorsements, and renewals — all in one broker dashboard. No re-keying, no PDF scrambles.
- Tier-aware auto-bind
- Digital COI delivery
- Endorsement workflow
- Renewal pipeline
Embedded into the IC's Workflow
API-native enrollment that drops directly into outfitter, lodge, league, academy, and booking-platform contract flows. Every IC you assign gets quoted, bound, and rostered without leaving your system.
- API-native enrollment
- Branded sub-portals
- Contract-flow embed
- Roster-level provisioning
Bordereau & Performance Built-In
Roster-level bordereau by the 5th business day, structured loss-run output, quarterly LR review with the carrier, and a 24-month performance window with mutual exit rights. Carriers see a clean book — every month.
- Monthly bordereau
- Structured loss runs
- Quarterly LR review
- 24-mo performance window
When the body is the business.
A torn rotator cuff, a pinned leg, a thrown ball, a parent in the parking lot — most sports IC careers don't survive a single uninsured incident.
One Bad Day Ends a Career.
A torn rotator cuff, a pinned leg, a thrown ball, a parent in the parking lot — most sports IC careers don't survive a single uninsured incident. The Matterhorn protection stack is built to keep the income flowing, the medical bills paid, and the career intact.
"An IC in sport doesn't have employer-paid sick days, no PTO, and almost never has Workers' Compensation. One torn rotator cuff, one ACL, one slip-and-strike on a wet boat deck — and the income stops. Occupational Accident is built to replace that lost income, on schedule, when the IC needs it most."
- →Accident disability benefits
- →Accident medical limits
- →AD&D for catastrophic events
- →Built for the gig — not the W-2
From voluntary today to compulsory tomorrow.
We are working with the largest organizations in fishing, paddle, snow, and field sport to move IC protection from a voluntary purchase into a contractual requirement — the trucking model, applied to sport.
When The Pro Found Out Too Late.
Composite case studies modeled on real claims patterns we see across the sports IC market. Names and identifying details have been removed — the gaps in coverage are what matters.
USCG-licensed six-pack captain falls on a wet deck during a customer charter — herniated disc, surgery, six months out of the water. His commercial hull policy paid for nothing on the body side. No OccAcc, no disability, no income. Lost the season, lost the slip, sold the boat.
Three Ways to Get Started.
Talk to a specialist, run the QuickQuote app yourself, or — if you run an outfitter, lodge, league, academy, or platform — embed the IC protection stack directly into your contract flow.
Book a Discovery Call
30 minutes with a Matterhorn sports IC specialist. We map your sport, your venues, your contracts, and your gear stack — and design the protection that fits the way you actually work.
- Sport-specific underwriting expertise
- Contract & venue review
- Custom coverage design
- No obligation
Run the QuickQuote App
Already know what you need? Open the QuickQuote application and walk through a guided digital submission. Quote-ready in minutes for the most common sports IC profiles.
- Step-by-step guided submission
- Auto-saves your progress
- Quote-ready in minutes
- Bind-ready output
Outfitters & Platforms — Embed Us
Run an outfitter, lodge, league, academy, or booking platform? We embed the IC protection stack into your contract flow — every IC you assign gets quoted, bound, and rostered without leaving your system.
- API-native enrollment
- Branded sub-portal option
- Roster-level reporting
- Compulsory-program ready
The WaterSports Carrier Submission.
We are placing Occupational Accident coverage for the Fishing Instructors & Guides segment (80,000–120,000+ professionals) and the Paddle Water Sports Instructors & Guides segment (30,000–50,000+ professionals). The downloadable carrier submission deck below is structured for carrier review.
Matterhorn WaterSports
OccAcc Program Brief.
A carrier-grade pitch deck covering market opportunity, underwriting tier segmentation (Tier 1–3), pricing matrix, accept/decline criteria, loss ratio benchmarks, 5-year premium scale, rate adequacy proof, distribution validation, and MGA economics. Built to walk into a serious carrier meeting.
- Underwriting Tiers 1–3
- Pricing Matrix by Class
- Accept / Decline Criteria
- Loss Ratio Benchmarks
- 5-Year Premium Scale
- Rate Adequacy Proof
- Distribution Validation
- MGA Economics
- Program Ask + Timeline
~150,000 Sport ICs in Two Segments
Move from voluntary to compulsory — a trucking-style mandate that requires the IC to carry Workers' Comp or OccAcc as part of the outfitter / platform contract.
Protect The IC Behind The Sport.
IC pro looking for personal protection, outfitter formalizing a contract requirement, or carrier reviewing the WaterSports submission — book a discovery call and we'll walk you through it.