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Welcome, IROC Members.
Exclusive IROC Insurance Coverage
At Matterhorn, we are committed to providing IROC members with insurance solutions that meet the unique needs of independent contractors. Our Occupational Accident Insurance is designed to offer critical coverage for those working in transportation. With this product, you get protection against work-related injuries, ensuring you're covered when you need it most.
Don't wait—secure your Occupational Accident coverage today to safeguard your health, income, and peace of mind. Plus, keep an eye out for our upcoming products, including Physical Damage and Commercial General Liability (CGL), which will be available soon to further strengthen your protection. Trust Matterhorn to deliver the right coverage, when it matters most.
Apply through the Application buttons or connect with our team to build the right solution for you.
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Here for you
As an IROC member, you gain exclusive access to a comprehensive range of insurance benefits specifically designed to protect and support your business. This includes Occupational Accident Insurance for independent contractors, Physical Damage Coverage, and Contingent General Liability (CGL), with more products coming soon. You’ll also enjoy instant access to Certificates of Insurance (COIs) for your operations, as well as a dedicated 24/7 Member Services Line to address any coverage or insurance-related questions. Partner with us today and experience the peace of mind that comes with customized protection and expert support from trusted A-rated carriers—ensuring your business is always covered.
Resources
Membership Benefits
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Access to Exclusive National Insurance Program
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24/7 Member Services Line
- Instant Certificate of Insurance (COI) Request
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Risk Management Resource
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Coverage
Full Access for NAYS Members
As a NAYS member, you get access to our full product portfolio—backed by deep market relationships and experienced underwriters who know youth sports. Start your quote by uploading your current declaration pages and loss runs. Our system will handle the rest, matching you with the right coverage quickly and efficiently.
Less friction. Better coverage. Best Value.
Segments
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Pro Sports
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Amateur Sports
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Youth Sports
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Collegiate Sports
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E-sports
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Adventure Sports
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Motorsports
Covered
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Players/Participants/Racers
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Professionals
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Spectators
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Coaches
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Trainers
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Volunteers
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Service Teams
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Pit Crew
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Search & Rescue Persons
Product Suite
General Liability
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Participant/Spectator Liability
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Owner's and Sponsor's Liability
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Medical Trainers Liability
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Emergency Medical Services Liability
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Abuse and Molestation
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Liquor Liability
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Crisis Protection Coverage Extension
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Accident Medical
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Accidental Death & Dismemberment
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Accident Disability
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Travel Accident
Participant Accident
Organizations
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Teams
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Leagues/Associations
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Governing Bodies
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Events
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Sponsors
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Promoters
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Venues/Facilities
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Clubs
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Special Events
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Camps/Academies
Operations
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Practices
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Tryouts
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Clinics
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Games and Playoffs
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Tournaments
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Races
Property
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Buildings and Business Personal Property
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Business Income and Extra Expense
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Crime
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Inland Marine
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Equipment & Gear Loss/Breakdown
Contingency
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Registration Refund
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Event Cancellation and Non-Appearance
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Prize Indemnity
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Hole in One
Additional
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Participant/Spectator Liability
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Owner's and Sponsor's Liability
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Medical Trainers Liability
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Emergency Medical Services Liability
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Fundraisers
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Paid Events
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Camps
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Showcases
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Tracks/Courses/Trails
Apply Easily Through MATTY, Our AI Application Agent
At Matterhorn, we believe in making insurance applications as seamless and efficient as possible. That’s why we’ve introduced MATTY, our AI-powered application agent. With MATTY, IROC members can easily apply for Occupational Accident Insurance and other coverage directly through our platform.
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AI-Powered Assistance: MATTY uses advanced AI to intelligently recommend the best coverage options based on your unique situation, ensuring you get the protection you need.
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Quick Approval: After submitting, MATTY sends your application to our team for quick processing, so you can get covered faster—no waiting around for paperwork.
With MATTY, applying for insurance has never been easier or more efficient. Let our AI agent take care of the details, so you can focus on what matters most—your work.
Sports Program
League Presidents & Directors
At Matterhorn Insurance Group, we’ve partnered with NAYS to deliver a national insurance program built specifically for league directors and youth sports organizations. Designed with NAYS members in mind, our program offers comprehensive, competitively priced coverage that protects every part of your organization.
From everyday operations to game-day risks, we help safeguard what matters most—your coaches, volunteers, participants, events, 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
Applications
Sports Program
Managers, Coaches, Trainers
At Matterhorn, we know that NAYS coaches, managers, and trainers are the foundation of every successful team. That’s why we’ve partnered with NAYS to build a national insurance program tailored specifically for those who lead, support, and care for young athletes at every level.
This program delivers comprehensive protection, competitive pricing, and simple digital tools that make it easy for NAYS organizations to insure their staff—providing confidence and peace of mind to the people who keep the game going.
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.
Applications
Sports Program
Event Coverage
Our event insurance program gives organizers peace of mind by covering the unexpected—cancellations, weather disruptions, injuries, and more.
We offer competitive pricing and flexible delivery options, whether you need coverage embedded within registration platforms or delivered via direct payment links to organizers and hosts. From national sports tech partners to local tournament directors, our solution scales to match the size and scope of your event.
Program Highlights
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Best-in-Class Policy Language – Protects against cancellations, postponements, and disruptions with simplified claims and broader terms than traditional event insurance.
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Optional AME Protection – Add-on accident medical coverage for participants, with flexible limits to fit your event size and risk profile.
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Embedded at Checkout – Seamlessly integrates into registration platforms or event portals for a smooth user experience.
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On-Demand Payment Links – Easily send coverage options to teams, vendors, or participants post-registration.
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Most Competitive Pricing – Affordable rates built for high-volume events, with margins that support both organizers and users.
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Trusted by Industry Leaders – The choice for organizations like Under Armour and NAYS to power their event protection.
Market Access
All of our Event Coverage programs are backed by A-rated carriers and built on deep expertise in youth sports and event operations. We work with trusted national insurance markets to deliver robust protection, clear policy language, and some of the most competitive pricing in the industry.
Our underwriting and product development team understands the real-world challenges of running events—and we design coverage that meets them head-on. We:
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Create protection that reflects how events are actually planned and executed
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Structure products for scale, affordability, and ease of delivery
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Remove the fine print, exclusions, and gaps found in traditional event insurance
The result: reliable, flexible, and event-friendly coverage that protects your organization and the people counting on you.
Applications
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.
Application
IROC Program
We are here to help!
Whether you’re an independent contractor, managing a small fleet, or running a motor carrier operation, navigating insurance shouldn’t be a hassle. At Matterhorn, we make it simple. From selecting the right Occupational Accident Insurance to providing Certificates of Insurance (COIs) or answering any coverage questions, our team is always ready to assist. With 24/7 access to our Member Services Line and a team that understands the unique needs of IROC members, you’ll always have the support you need—whenever you need it.
How we help
At Matterhorn, we understand the complexities and challenges faced by independent contractors, small fleets, and motor carriers in today's fast-paced and high-risk industries. Our specialized insurance offerings are designed to provide the protection and support you need to keep your business running smoothly, no matter the obstacles.
IROC Members
We offer tailored Occupational Accident Insurance that protects you against work-related injuries, ensuring that you’re covered whether you're on the road or on the job site. With flexible, affordable coverage options, you can focus on your work without the worry of unexpected medical or disability expenses.
As an independent contractor, your work is your livelihood. Our Occupational Accident Insurance offers comprehensive coverage to protect your income and well-being in the event of a workplace injury. We also provide access to our upcoming Physical Damage and CGL coverage to give you a complete protection package that adapts to your growing business needs.
Independent Contractors
Small Fleets & Motor Carriers
We understand the unique risks that come with managing a fleet, and our solutions are designed to safeguard your assets, drivers, and business operations. From protecting your vehicles with Physical Damage Insurance to covering the liability risks of your operations with Commercial General Liability (CGL), we provide the peace of mind you need to focus on expanding your business.
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