Trucking Occupational Accident Insurance
As a compliment to your overall transportation insurance package, we offer Occupational Accident insurance for independent Owner-Operators or Motor Carriers who utilize independent owner-operators. Occupational Accident applies to accidental injuries that occur while under dispatch by a motor carrier.
Occupational Accident Insurance provides benefits such as:
- Accident Medical Expense – up to $1,000,000 limit per accident
- Accidental Death – up to $100,000 limit
- Accident Disability Income – up to 104 weeks of income
Contingent Liability (available on fleets with 10+ power units)
When a trucking company sponsors an Occupational Accident Program, Contingent Liability coverage is then available to protect the motor in the event that an injured Owner Operator seeks employee status. Depending on the insurance company used, the Contingent Liability policy will either pay Workers Comp benefits on behalf of the motor carrier, or it will reimburse the motor carrier for any related expenses – which are not covered by any other insurance – that are paid to an Owner Operator who is successful in being deemed an employee of the motor carrier.
We can design Occupational Accident plans for motor carriers that sponsor programs for their Owner-Operators, and can also handle groups of individual Owner-Operators that do not have access to a sponsored plan.
Please complete our one page quick quote sheet for a quick premium indication or call us at (855) 265-9999 to speak to one of our licensed trucking agents.
DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy.
We can provide the following types of truck insurance:
• primary liability
• physical damage
• motor truck cargo
• occupational accident
• workers compensation
• general liability
• broker bonds
We can provide trucking insurance for:
• owner/operators or fleets
• local, intermediate, or long-haul operations
• dump trucks, straight trucks, or tractor/trailers
• hot shot operators
• container haulers
• agricultural haulers
• car carrier operators
Some coverage programs can include:
• Rates starting at $400/Month/Truck
• Mileage or Revenue Reporting Form
• 24/7 Access to Certificate of Insurance
• Profit sharing physical damage policies
• Complimentary DOT safety programs
• “A” Rated Insurance Companies