High Point Underwriters

3000+ Drivers & 5000+ Contractors insured in 50 States

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. David King, the CEO and Lead Underwriter was a pioneer in this field working with both the Texas Nonsubscriber and Independent Contractor Occupational Accident products. Mr. King is joined by Senior Vice President Roman Atkielski, who has worked with him in underwriting this business for the last 4 years.

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.


Broker Partnership

Your client want choice, we provide you options. You can become our partner just like 90 other brokers nation wide, and help your customer to get affordable insurance.
Send submissions to Roman.Atkielski@Highpointrs.com

Our Products

Occupational Accident and Contingent 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 Additional Coverage:
– No Primary Auto
– Non-Trucking Liability
– Workers' compensation
– Conmercial General Liability
Apply for Coverage:
To apply for coverage, simply download the application form, then submit the completed application to submissions@highpointrs.com
View product brochure
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Contact Us

New Jersey


520 Speedwell Avenue

Suite 106

Morris Plains, NJ 07950

Phone: (973) 965-9701

Fax: (800) 636.4319



3855 Shallowford Road

Building 400 Suite 410

Marietta, GA 30062

Phone: (973) 965-9701

Fax: (800) 636.4319