The driver-first choice that kept contractors and saved $924K

TrueChoices empowers motor carriers to attract and retain independent contractors by providing access to affordable health and personal insurance without adding compliance risk or administrative burden. One carrier leveraged TrueChoices to reduce turnover, strengthen recruiting and save $924,000 annually.

The issue: A turnover crisis

As health benefits became a dealbreaker for top drivers, one carrier faced a tough decision: lose talent to competitors offering better coverage or risk costly compliance issues by providing insurance directly. The result? They were falling behind on both fronts.

• Turnover surged to 109 percent as contractors sought better coverage.
• Recruiting and replacement costs escalated.
• Health insurance concerns hindered efforts to attract qualified drivers.
• Directly offering insurance introduced compliance risk.

The company needed a scalable solution to stabilize retention, enhance recruiting and mitigate legal exposure while aligning with broader business objectives to drive growth and operational resilience.

The fix: Insurance without the risk

The carrier adopted TrueChoices, a data-driven program that combines compliance, technology and service to deliver a competitive advantage for motor carriers and a seamless experience for independent contractors. Key advantages include:

• Coverage drivers actually want: Guaranteed-issue medical, limited medical, dental, vision, accident, critical illness, life insurance, disability, and a legal plan, with premiums deducted from settlements.
• Built-in compliance protection: Eliminates misclassification risk by removing carriers from direct insurance offerings and managing renewals.
• Seamless integration with your systems: Automated billing and reporting through OverDrive, reducing admin work for your team.
• Dedicated support: Provides comprehensive enrollment assistance, ongoing service support and proactive claims advocacy.

The impact: Lower turnover, higher savings

TrueChoices allowed the carrier to fortify its workforce, reduce costs and streamline operations — creating a stronger foundation for growth and compliance. The positive impact was measurable:

The advantage: Positioning for long-term success

Beyond addressing immediate challenges, the switch to TrueChoices created lasting competitive advantages that strengthen the carrier's market position:

• Recruiting edge: Attract top drivers with competitive insurance  
• Operational stability: Reduce turnover and lower replacement costs  
• Risk protection: Proven compliance framework  
• Scalable model: Easy deployment across multiple entities