Independent Contractor Insurance



BizChoice is the only Last Mile Delivery Contractor program that offers the ability to provide Worker’s Compensation and/or OCAC, as well as all casualty coverage with one insurance carrier, one bill, one settlement deduction.


Paul Hanson Partners Specialty Insurance Solutions is a full-service managing general agent for our exclusive package program, BizChoice Last Mile Logistics underwritten by AIG Insurance Company. This program is available to logistics and home delivery operations across the country. We are proud to be associated with one of the leading United States based international insurance organizations and among the largest underwriters of commercial and industrial insurance in the United States.


AIG’s unparalleled financial strength helps provide Paul Hanson Partners with the power to provide stable, quality insurance coverage at a competitive price even in the toughest of insurance markets.

Our program is unique in that it is specifically designed to help provide the most comprehensive insurance coverage available to the independent contractor while providing as much protection to the Motor Carrier against potential IRS compliance issues.


The BizChoice Advantage:


  • Work Injury Coverages Available in All States (OCAC and/or Workers Compensation)  
  • Individually Issued Comprehensive Insurance Policies
  • Individual Contractor Insurance Selection
  • All Coverage with One Insurance Carrier (Except Work Injury Product)
  • Large Financially Superior Insurance Company (AM Best Rated A+ XV)
  • Monthly Direct Bill Plan for Both Corporate and Contractor
  • Custom Designed Online Insurance Administration Tool
  • On-Site & Online Loss Control Services
  • Claims handled by York Risk Services Group, AIG’s preferred claims administrator

The following coverages are offered


  • Occupational Accident
  • Contingent Liability Coverage
  • Workers’ Compensation
  • Commercial General Liability
  • Cargo & Warehouse Legal Liability
  • Auto Liability/ Auto Physical Damage
  • Umbrella/Excess Liability Coverage
  • Equipment Floater