Workforce Insurance Underwriters Elevates Passenger Accident Coverage

Workforce Insurance Underwriters Elevates Passenger Accident Coverage


August 9th, 2023


The Problem: A Gap in Passenger Accident Coverage


The trucking industry is one of the most vital sectors of the economy.  However, it's also laden with a plethora of risks.  One of the most overlooked areas of risk involves passengers who travel with either Motor Carrier employee drivers or Owner Operators.  Traditionally, if a passenger suffers an injury during a trip, they can sue not only the Motor Carrier but also the driver of the vehicle.  This situation poses a significant risk to Motor Carriers and their drivers, which is heightened by the fact that most insurance policies do not adequately cover passenger accidents.


The Solution: Workforce Insurance Underwriters' Standalone Passenger Accident Insurance Program


Recognizing this gap in the market, Workforce Insurance Underwriters launched a standalone Passenger Accident Insurance program.  The policy, underwritten by an AM Best “A” rated insurance company, provides authorized passengers with high-limit Medical and Accidental Death and Dismemberment (AD&D) coverage.  The new insurance program offers three plan options with coverage limits of $100,000, $200,000, or $300,000.  Premiums are calculated annually based on the total number of a Motor Carrier’s employee drivers and Owner Operators.

 

The standout features of this innovative policy include its affordability, simplicity, and easy administration.  What's more, it requires no monthly reporting of passengers, making it a low-touch operation for Motor Carriers and their Insurance Agents.


The Impact: Enhanced Coverage and Peace of Mind



The introduction of this standalone Passenger Accident Insurance policy has filled a significant gap in the market.  Providing comprehensive coverage for authorized passengers has offered much-needed peace of mind to Motor Carriers and their drivers.  The policy has also mitigated the financial risk associated with passenger accidents, protecting both the Motor Carrier and their drivers from potential lawsuits.


The policy's simplicity and ease of administration have further made it an attractive option for Motor Carriers.  By requiring no monthly passenger reporting and offering a simple annual calculation of premiums, it has reduced the administrative burden for companies, freeing up time and resources.


The standalone Passenger Accident Insurance policy from Workforce Insurance Underwriters is not just an insurance policy; it's an innovative solution designed to address a critical gap in the market.  If you’re an Insurance Agent seeking to protect your Motor Carrier’s business and their drivers from the risks associated with passenger accidents, our new program is for you. 


Take the step now to secure peace of mind.  To learn more about how this policy can benefit your business, book a meeting with an industry expert by clicking here.


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