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Occupational Accident Insurance

- FROM mig -

Non-W-2 Drivers

Owner-Operators

Contract Drivers

Why Do I Need Occupational Accident Insurance?

Your employee’s health and safety are crucial to the success of your business.

Occupational Accident (Occ/Acc) coverage includes medical, disability, death, and dismemberment benefits for accidents that occur on the job. It is a known alternative to one’s state workers’ compensation law. An occ/acc insurance policy gives the employer the means to fund most or all of this obligation at a lower cost than a workers’ compensation policy.

Occupational insurance for truck drivers can cover wages lost while an employee is out with an injury. This coverage is great for those looking to save money and protect employees on a job site. Reach out to our Occ/Acc insurance specialists to talk more about the regulations in your state and how our plans can suit you.

Occupational Accident Insurance & Trucking

Occupational Accident coverage offers coverage to an independent contractor for an injury sustained while performing duties of the lease with the motor carrier as a driver of a truck dispatched by the motor carrier. Occ/Acc can offer benefits for accidental death, dismemberment, and paralysis; accident disability; and accident medical expenses. In short, you can think of it as the opposite of workers’ compensation. Occ/Acc offers coverage for the Owner-Operator (1099 employee), or non-W-2 employee whereas workers compensation provides coverage for W-2 or company drivers.

Marquee Insurance Group’s programs are a great option for independent contractors. Take a look at our insurance plans below to learn about what we offer. Then call today to speak with a specialist about the coverage that is right for you.

What We Offer:

This program protects independent contractors who do not participate in a large group motor carrier program. Have financial protection from accidental medical expenses on the job with Occ/Acc.

  • High-Limit Occ/Acc Medical Limit
  • Comprehensive “Dispatch” Coverage
  • Accident Disability Income Coverage
  • Non-Occupational Benefits
  • Accidental Death & Dismemberment Benefits 
  • Passenger Accident – Covers Authorized Passengers