Accident Insurance for Independent Contractors

The insurer of choice for 400 daily newspapers, 125 distribution companies and nearly 30,000 independent contractors throughout the US, WGA by McNeil & Co. provides vital accident protections for independent contractors, part-time and non-benefited employees.

Independent contractors are not covered by workers’ compensation. However, they are at risk for denied medical and auto claims, work-related medical bills and are responsible for their substitutes in the case of an accident. And more than 90% of all reported accidents occur On-Route.

WGA offers a policy that’s simple, easy to pay for and designed to cover your needs.

Why risk it? Don't wait until you're injured to find out you're not covered.

What is it and what is covered?

  • 24-hour accident insurance covering you while engaged in distribution activities or engaged in non-distribution activities

  • Weekly disability benefit if you are injured and cannot fulfill your contractual obligations

  • Death benefit paid to your named beneficiary

Your automobile coverage will not cover any bodily injuries resulting from distributing newspapers.

  • Pays benefits for accidental bodily injury

  • Helpers, spouses, children and dependents ages 9-90 can enroll

  • Premiums are 100% deductible for self-employed contractors

No-cost risk management to protect your business

We also offer risk management services based on real industry insights. Our expertise makes our programs the one answer for nearly all of your coverage needs, and our unequalled standards mean you’ll be covered by an admitted carrier with specialized forms.

Our team is ready to create an insurance program customized to fit the needs of your business — with a coverage portfolio no other provider can equal.


Download additional info or complete the form below to start the enrollment process.

Frequently Asked Questions

Client FAQ

“Why Risk It” Brochure

Client FAQ

Ready to Enroll?

  • E-Learning


    E-Learning Copy

    Our E-Learning platform is available 24/7 to meet the needs of the student. These online courses are offered free of charge to our insureds. Additional classes are being developed on a regular basis, so check back often to see new opportunities.
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  • Our Programs


    Our Programs

    We offer some of the most comprehensive insurance coverages in the industry. Let us propose a customized insurance package for your organization.
  • Questions?



    Have questions about your policy, want more info on our programs or need to be put in touch with a local agent? Contact us today and we'll be glad to assist you!
  • Contact Us


    Contact Us


    67 Main St
    Cortland, NY13045