Occupational Accident

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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 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

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