Built by the road. Backed by the coalition.
My Truck. My Choice.
Announcing IROC — the member coalition for owner-operators and independent contractors. Group-rate insurance through Matterhorn Specialty, the coalition's insurance partner for ICs, plus working-class business benefits and a real voice in the rooms where trucking policy gets discussed with legislators.
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The independent contractor was standing alone.
Roughly 350,000 owner-operators move freight in the United States. They run their own authority — or operate as ICs under someone else's — and they shoulder the same regulatory, insurance, and operating costs as 1,000-truck carriers, but pay rack rates for every one of them.
Many insurance brokers ignore them because the policies are too small. Big carriers use them for capacity but don't always fight for them in Washington. The associations that do exist have become more forced on revenue than on advocacy.
IROC was created to close that gap. A coalition where the smallest operator gets fleet pricing, a real seat at the legislative table, and a working brotherhood of peers — without bureaucracy, without losing a single inch of independence.
Four pillars. One coalition.
Coverage, services, advocacy, and community — the four things every IC needs and almost none can build alone. Join once and the whole stack works for you.
Insurance Access
Group rates on Occupational Accident today — written through Matterhorn Specialty's IC desk — with Physical Damage, Non-Trucking Liability, and Supplemental Health coming soon to the coalition program.
Operator Services
Discounted business essentials — mobile service, hotel discounts, pharmacy, and roadside support — negotiated as a coalition so a one-truck operator gets fleet pricing.
Industry Advocacy
A powerful ally in the transportation sector — championing the rights of truck owner-operators. Together we shape the policy and regulatory landscape, so owner-operators keep the freedom to run — and grow — their own business — represented through TIE.
Member Network
A working brotherhood of owner-operators and independent contractors. Peer mentorship, regional meet-ups, and a member-only directory of vetted products and services.
Live today. More on deck.
Coverage and services available to active members today, plus what's launching next — so you know exactly what activates the day you join the coalition.
Occupational Accident
True OccAcc with AD&D, Accident Medical and Accident Disability — written for owner-operators and ICs at coalition group rates.
Patriot Mobile Discount
Member pricing on the conservative-values mobile carrier — unlimited talk, text, and high-speed data with built-in roadside features.
Truckers Integral to Our Economy
TIE advocates on member issues to state and federal legislatures, with monthly communication to all IROC members.
Physical Damage
Replacement-cost or stated-value PD on tractors and trailers — with deductibles starting at $1,000.
Non-Trucking Liability
Third-Party Liability coverage for your truck when not under dispatch.
Supplemental Health
Supplemental health coverage tailored for owner-operators and independent contractors.
Fuel Card
Negotiated fuel prices at major truck-stop networks.
Truck Parking
Access to truck parking app at discounted rates.
Operating Compliance
Permit, IFTA, and DOT compliance support — filings handled by partner specialists at member rates.
Tax & Bookkeeping
Trucking-specialized accountants at member pricing — Schedule C, per-diem optimization, quarterly estimates, and audit defense.
Member Directory
Vetted products and services from mechanics, legal, educational content and more — with member-rated reviews.
The names standing with you.
Every provider in IROC earned their seat — by carrying the advocacy fight for ICs, building the services, or designing coverages that keeps independent operators in business. Connect directly with any partner below to learn how they serve the coalition.
Truckers Integral to our Economy (TIE)
TIE — Truckers Integral to our Economy — is the advocacy arm fighting for owner-operators in legislative chambers and regulatory comment periods, while running the IROC member education curriculum that keeps operators informed and empowered.
Patriot Mobile
America's only Christian conservative wireless provider, offering IROC members exclusive plan pricing, free activation, and roadside-friendly nationwide coverage built for life on the road.
Matterhorn Specialty Insurance
The insurance partner for IROC's independent contractors — powering the coalition's insurance program from quotes and easy payments to claims support, through a dedicated IC underwriting desk.
Everything below — unlocked day one.
IROC membership unlocks every benefit on this page from the moment you sign up — no waiting periods, no add-on fees. Just present your IROC member access code at any participating service provider location across the U.S. (online, in-app, or in-person) and start saving immediately.
- 01Activate Your CodeYour IROC member access code arrives the day you join — by email and inside the member portal.
- 02Show Your CodePresent it online, in-app, or at the counter at any participating provider nationwide.
- 03Save InstantlyDiscounts apply on the spot — every booking, every shipment, every fill, every stay.
Choice HotelsUp to 20% OffSave on best-available rates across the Choice Hotels family — Comfort Inn, Quality Inn, Sleep Inn, Cambria, and more.
Add Rate ID to your Choice Privileges profileBook online or via the Choice mobile appDiscount applies every time you stay
Wyndham Hotels25% Discount25% off the Best Available Rate at nearly 7,000 participating Wyndham hotels worldwide — upscale, all-inclusive, and value brands.
Member benefits hotline + online booking7,000+ participating hotels worldwideStack with Wyndham Rewards
Red Roof InnMember RateReliable, value-driven roadside lodging across the country — pet-friendly, free Wi-Fi, and member-only nightly rates.
Pet-friendly properties nationwideFree Wi-Fi at every locationSpecial member nightly rate
Motel 6Member RateCoast-to-coast economy lodging built for the long haul — over 1,400 locations and member-exclusive rates.
1,400+ locations across the U.S. & CanadaMember-exclusive nightly ratePet-friendly at most properties
Collette Guided Tours$24–$100 OffSave on guided tour packages around the world — combinable with other special offers from Collette's award-winning tour collection.
Combinable with Collette specialsTours across 7 continentsAward-winning guided travel
CruisesOnlyLowest Cruise PricingMember access to America's largest cruise agency — thousands of cruises from 18 of the world's top fleets, departing from 22 U.S. ports.
18 cruise fleets, 22 U.S. departure portsCertified cruise consultants on callLand excursion planning included
Every benefit above activates the day you join. Connect with our membership team to discuss pricing and we'll issue your IROC member access code on the same call.
Why members tell other operators.
“The IROC team got my Occ Acc done in a single afternoon — at a number my old broker said wasn't possible. Same week I had Patriot Mobile in my hand and saved another forty bucks.”
“We went from leased to our own authority last year, and the compliance support IROC paired me with walked us through every filing. Single most valuable phone call I made all year.”
“I'm not a guy who joins things. But the fuel card discount helped me save a ton. I'm a lifer.”
Two ways in. One coalition.
Drop your name, email, and phone for the membership team to reach out — or book a focused 10-minute discovery call and we'll learn your operation, share which partner programs fit, and start your insurance quote on the same call.
Membership pricing on request. Connect with our team to discuss member rates — your benefits start the day you sign up.
Join Today
Questions before you sign up.
Independent owner-operators, ICs, and fleets of all sizes that utilize owner-operators and ICs — whether running their own authority or under a motor carrier. If you're independent and your livelihood is the truck and the road, you belong here.
Talk to a member of the IROC team. Ten minutes, no pitch deck.
