The Boutique
Advantage
for Owner-Operators, IC Fleets & Freight Brokers.
We are specialized problem solvers across the Independent Contractor and Freight Broker verticals — from national IC fleets to single owner-operators, plus the brokers that arrange their freight. Deep expertise, curated markets, advocacy for the IC model, and technology purpose-built for this work, delivered through one application.
Two segments. One playbook.
We specialize in two segments of the transportation industry: the Independent Contractor model — owner-operators and IC fleets — and the Freight Broker operation. Every step of our process is shaped by deep knowledge of these segments, from the coverage lines we place to the technology we build.
We start every engagement by mapping the risk through the lens of the two segments we know best: the Independent Contractor model and the Freight Broker operation. For IC fleets and owner-operators, that means understanding classification posture, driver mix, OA exposure, and compliance structure. For freight brokers, it means mapping contingent auto and cargo exposure, contract flow, and E&O risk. No generic intake — every conversation is shaped by the segment the broker serves.
Built for the transportation professionals who move America.
We equip brokers and motor carriers with the knowledge, products, and technology to navigate IC risk confidently — turning challenges into opportunities for growth across every transportation class.
"Turnkey protection for independent contractor fleets and owner-operators with scalable onboarding and compliance-ready documentation that preserves the IC model."
- →OA · Occupational Accident
- →CL · Contingent Liability
- →WC · Workers' Compensation
- →PD · Physical Damage
- →NTL · Non-Trucking Liability
Independent Contractor Program
Five coverages purpose-built for IC fleets and owner-operators — OA, NTL, PD, Contingent Liability, and WC — plus a TIE advocacy partnership.
Freight Broker & Logistics Program
A coordinated tower for freight brokerages and 3PLs — Broker Liability, Contingent Auto & Cargo, GL, E&O, and Cyber, with TIA-engaged advocacy.
Digital tools for the modern fleet.
Automated tools to track and report driver and equipment changes — eliminating manual spreadsheets, improving premium invoicing, and reducing compliance risk with real-time roster management. Plus a live API stack for the platforms you already run.
From a Single Rig
to a thousand-unit fleet.
The same boutique discipline scales — across motor carriers, IC groups, and freight brokerages. Below: three programs, three exposure profiles, one playbook.
Real results, real brokers.
Three programs across the IC, motor carrier, and freight brokerage classes — each with different exposures, each delivered with the same playbook. Open any case to see the work.
// challenge Manual driver tracking and slow coverage deployment were stifling growth for a 500-unit IC fleet. The broker was losing business to competitors with faster turnaround. // solution Implemented Matterhorn's automated driver onboarding platform with real-time compliance monitoring and instant COI generation.
- 01.Reduced administrative workload by 75%
- 02.Differentiation created for core motor carrier clients
- 03.Preferred market access maintained
- 04.Operating leverage for the next 1,000 units
Let's Get Rolling.
Reach out to our transportation team anytime. We love connecting with brokers who serve the fleets that move America.
Fleet, Owner-Op, Or Freight — Let's Talk.
Bring us a tricky transportation risk. We'll tell you whether it fits, what markets we'd hit, and what we'd need to bind — in one quick call.
We listen first — sector, size, prior carriers, what's pushing the deal forward.
Markets we'd approach, expected pricing band, data we'd need to bind.
A clear path: who quotes, what to gather, who follows up — no fluff, no commitment.