Real Insurance for Independent Contractors

About Us

Most Occupational Accident markets are providing the same products that were created in the last century. Times have changed, and so have your insurance needs.

High Point Underwriters is an MGA specializing in Occupational Accident and Workers’ Compensation products for Independent Contractors. HPU’s underwriters have been underwriting all facets of the Occupational Accident market since 1991. Since 2016 HPU has been working in partnership with Midwestern Insurance Alliance to provide a combination Occupational Accident/Workers Compensation product to all types of transportation risks.

Motor Carriers, Independent Owner Operators, and all types of transportation companies that use Independent Contractors need coverage that is up to date and addresses today’s needs as well as preparing you for the future.


If you are interested in working with us or have any questions, please feel free to connect.

Patrick Murray, President


Broker Partnership

Your client want choices, and we provide you with options. You can become our partner just like 90 other brokers nationwide, and help your customer to get affordable insurance.
Send submissions to

Our Products

Occupational Accident and Contigent Liability

Accidents happen. On-the-job accident protection is a critical part of an effective risk management program for companies that have opted out of traditional workers’ compensation programs or for those who utilize independent contractors. Our flexible policy design enables you to determine the coverage and benefit levels that meet your needs.


Ideal for:

– Companies that utilize independent contractors
– Individual Owner Operators


Coverage Highlights Include:

– On the job injuries
– Accidental Death and Dismemberment
– Accident-related Medical
– Employer’s Liability
– Contingent Liability
– Customizable- optional coverage and limits available
– Non-Occupational Accident coverage


Submission Requirements:

1. Completed application
2. Three to five years of loss history (if applicable)
3. A copy of lease agreement
4. Description of Operations


Available Coverage through Affiliate Companies:

– Workers’ Compensation
– Non-Trucking Liability
– Physical Damage
– Auto Liability


Apply for Coverage:

To apply for coverage, simply download the application form, then submit the completed application to

Contact Us

High Point Underwriters

PO Box 436909

Louisville, KY 40253-6909

Phone: (502) 430-8300

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