FAQ

Occupational Accident Insurance is an essential coverage option that helps protect Owner Operators, who are not eligible for Workers Compensation, for work-related injury or death.  A typical Occupational Accident Insurance policy provides medical, disability, dismemberment, and death coverage. 

Occupational Accident Insurance provides critical protection for Motor Carriers when an Owner Operator gets hurt on the job.  Without this type of coverage, an Owner Operator would need to pursue the Motor Carrier for Workers Compensation benefits to cover their injuries and additional medical expenses arising from the incident.  

The cost of Occupational Accident Insurance varies by Motor Carrier operations, coverage, limits, and duration elected.  Monthly plans start as low as $120.31.

Workers Compensation and Occupational Accident Insurance both provide financial protection for work-related injuries yet differ in important ways.  Workers Compensation is a state-mandated form of coverage protecting employees, while Occupational Accident provides additional protection for Independent Contractors or those excluded from compulsory Workers Compensation. Coverage may include medical expenses as well as lost wages, death or dismemberment benefits up until predetermined policy limits are met.

Contingent Liability Insurance offers Motor Carriers important protection in the event that an Independent Contractor attempts to collect Workers Compensation benefits as an employee.  It is important to note that Contingent Liability Insurance is not a substitute for Workers Compensation Insurance.  An employer still needs to purchase a traditional Workers Compensation policy to remain compliant with all applicable rules and regulations.

Contingent Liability Insurance offers a vital layer of protection against the potential legal costs and expenses incurred in the event of an Independent Contractor attempting to claim Workers Compensation benefits.