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 Accident Insurance & Trucking
Many trucking companies use occupational accident insurance for truckers to fund benefits for owner-operators who are not employees. Trucking companies like to have this coverage in place because, in some circumstances, owner-operators may be deemed to have become employees or they may assert that they are employees and file an injury claim against the employer.
What We Offer:
This program protects independent contractors who do not participate in a large group motor carrier program. Have peace of mind and 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
See All Our Coverage Options