Top 10: Why Motor Carriers Should Sponsor Group Policies

1. Prevent Workers’ Compensation Litigation — Access to Occupational Accident frequently prevents Workers’
Compensation litigation or access to Workers’ Compensation policy benefits.

2. Enhanced Liability Coverage — A Group Program gives a Motor Carrier the ability to carry Contingent Liability, further
limiting their exposure. Contingent Liability is not available when each driver maintains their own policy.

3. Reduced Workers’ Compensation Audits — When Owner-Operators have Occupational Accident, there is a much
lower chance of the Workers’ Compensation carrier picking them up on audit.

4. Improved Driver Retention — Removing the potential for litigation prevents internal discord and dissatisfied Owner-
Operators.

5. Improved Brand Reputation — Sponsoring Group Programs develop the Motor Carrier’s brand within the industry as
a professional company with available resources.

6. Better Rate Access — By leveraging driver volume, the Motor Carrier will be able to receive increased accommodations
on rate from the insurance marketplace. Non-fleet rates are generally significantly higher than fleet rates.

7. Industry Specific Coverage and Carriers — By controlling the process, the Motor Carrier can be sure that coverage is
superior and backed by a specialized insurance carrier.

8. Eliminate Coverage Gaps — With a specialized broker involved in building the program, potential gaps in the motor
carrier and Owner-Operators’ coverage can be eliminated.

9. Ease Administrative Burdens — Group Programs can provide access to solutions that remove the administrative
process from the motor carrier, free of charge.

10. Efficient Return to Work — Owner-Operators can be back on the road sooner with the Motor Carrier engaged or
monitoring the claims process.