Unlock The
Owner Operator
Segment.
The 1099 owner operator segment is high-margin and underserved — fragmented across carriers, manual workflows, and coverages that were never built to live together.
Matterhorn fixes that. Occ/Acc, NTL, Physical Damage, Contingent Liability, and Workers' Compensation — designed alongside your team and embedded into the way you write business, whether you're an MGU, a broker, or a motor carrier.
One Suite
Embedding
First
Per Partner
How we build an IC
program.
An IC program isn't a single policy — it's a coordinated structure. Four pillars define how we design, place, and manage every IC program: classification discipline, coordinated coverage, purpose-built technology, and ongoing advocacy that protects the model long after the policy is bound.
Understand the IC Model
The model comes first. Then the coverage.
Every IC program starts with the classification itself — how the motor carrier structures leases, contracts drivers, and manages state-by-state compliance. We map the operation before we design the coverage, because a program built on a weak IC model is a program waiting to fail.
A High-Margin, Underserved Segment.
In a challenging market, brokers spend their time placing Commercial Auto and Cargo so their motor carrier clients can operate. 1099 IC exposure that sits adjacent to all of that is too often fragmented or largely ignored. Matterhorn closes the loop with a complete, holistic approach to help brokers capture non-asset revenue.
"Open the owner operator segment to your book without building new underwriting, compliance, or servicing infrastructure. Incremental premium and fee revenue from a historically underserved class."
- →New revenue from existing relationships
- →Zero infrastructure build
- →Faster time to market
Five Coverages. One Integrated Program.
Specialized insurance solutions purpose-built for owner operators and the motor carriers that contract with them — paired with the technology to deliver them at scale.
Occupational Accident
Occ/AccIncome replacement, accident medical, and accidental death coverage purpose-built for 1099 owner operators and independent contractors.
- 01.Accident medical & AD&D benefits
- 02.Customizable benefit limits
- 03.Workers' comp alternative
- 04.Embedded enrollment workflow
Three Ways to Get Started.
Choose the path that fits how your team works. Whether you want to self-serve, lean on AI to do the heavy lifting, or partner directly with our specialists — we make submitting and embedding the IC program effortless.
Complete Our Digital Form
Fill out a guided digital submission form designed for IC programs. Step-by-step prompts capture every required data point — no more chasing missing fields.
- Smart form with conditional logic
- Auto-saves your progress
- Quote-ready in minutes
Upload & Let AI Scrub
Already have client information on file? Upload existing applications, loss runs, MVRs, and contracts. Matty AI extracts and structures every detail so you don't have to re-key a thing.
- Drag-and-drop document upload
- Auto-extraction from ACORDs & loss runs
- Review and approve in one screen
Connect With Our Team
Want a partner to walk you through the process — or embed our IC program directly into your existing systems and flow? Our specialists design coverage and integration tailored to your platform.
- Dedicated specialist consultation
- API & embed integration support
- White-labeled platform option
Embed The IC Program Into Your Platform.
Our IC program is API-capable end to end. Embed it natively into an MGU platform, deploy a white-labeled portal for a brokerage, run it as a managed enrollment workflow for a motor carrier — the technology works the way your team works.
Protecting The Independent Contractor Model.
Through our work with Truckers Integral to Our Economy, Matterhorn actively defends the independent contractor model — protecting the small businesses that move America.
Navigating IC work injuries — without breaking the model.
Occupational Injury insurance requires a well-thought-out approach to achieve compliance and to support the IC model. Seven layers, working together, designed to keep the worker whole and the motor carrier protected.
IC Lease Agreement
Leasing equipment onto the motor carrier demonstrates the owner-operator has made an investment in the vehicle. Allowing the means and method of work — and the ability to drive for other entities — reduces direction-and-control arguments. Contractual requirement for IC insurance separates the IC from the motor carrier's corporate insurance.
Pays the IC's work-injury claim where it belongs.
Defends the motor carrier when classification is challenged.
Covers W-2 employees and coordinates the audit cycle.
Supporting the IC model — today and every day.
At Matterhorn, participating in an industry doesn't mean taking — it means being involved. We partner with TIE to preserve the independent contractor model today, and for future owner-operators.
to Our Economy
Truckers Integral to Our Economy (TIE) is 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.
"TIE's advocacy efforts promote a business framework that benefits both motor carriers and ICs — protecting against legislative changes that could undermine the IC model. We actively engage at the state and federal level so our brokers don't have to learn about a regulation the day it goes live."
- →State-level legislative monitoring
- →Federal rule-making engagement
- →Carrier-specific guardrails
Build The Owner-Operator Practice.
An 8-slide playbook for retail brokers who want to service the IC space — the opportunity, the OA/CL/WC stack, three integration paths, the broker P&L, the tech stack, and the 30-day path to your first bound account.
Embed The IC Program Into Your Stack.
MGU expanding a trucking program, broker rebuilding an IC offering, or motor carrier formalizing an owner operator workflow — let's sit down and design the right fit for your clients.
1099s, Owner-Ops, ICs — Sorted.
Book a 15-minute call to walk through your IC program. Occ-acc, NTL, physical damage, the works — we'll show you exactly how we'd structure it.
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.