Products

Occupational Accident

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.


  • No Pre-Existing Conditions Exclusion
  • No “Under Dispatch” Requirement
  • No “On Duty” Requirement
  • No CDL Requirement
  • No AD&D Benefit Reduction After Age 65
  • Temporary Total Disability – Calculated using 100% of Gross Earnings
  • No Medical Caps or Sub Limits
  • No Aggregate Limit Per Accident

Contingent Liability

Contingent Liability coverage offers a safeguard for Motor Carriers, defending against Owner Operators attempting to be classified as employees in order to receive Workers Compensation benefits.


  • Part One – Statutory Limits
  • Part Two – EL Limits Up To $1,000,000/$1,000,000/$1,000,000
  • No “Sunset Clause”
  • No “Under Dispatch” Requirement
  • No “On Duty” Requirement
  • No “Actively At Work” Requirement
  • No “Commutation Clause”
  • No CDL Requirement
  • No Specific State Exclusion

Contingent Liability coverage offers a safeguard for Motor Carriers, defending against Owner Operators attempting to be classified as employees in order to receive Workers Compensation benefits.


  • Part One – Statutory Limits
  • Part Two – EL Limits Up To $1,000,000/$1,000,000/$1,000,000
  • No “Sunset Clause”
  • No “Under Dispatch” Requirement
  • No “On Duty” Requirement
  • No “Actively At Work” Requirement
  • No “Commutation Clause”
  • No CDL Requirement
  • No Specific State Exclusion

Workers Compensation (Motor Carrier)

Workers Compensation provides employees of Motor Carriers with the necessary support in times of injury or illness caused by their occupation. Benefits include medical coverage, wage replacement, and additional support.


  • Coverage for statutory (W-2) employees of Motor Carriers or Fleet Owners including clerical, sales, administrative and executive employees

• Occupational Accident policy must be written with Workforce Insurance Underwriters to gain access to Workers Compensation coverage

Workers Compensation (Independent Contractor)

Workers Compensation provides Independent Contractors, true Owner Operators, leased on Owner Operators, or Contract Drivers of a Fleet Owner with statutory Workers Compensation. Additional program benefits include an Affordable Care Act (ACA) compliant Minimum Essential Coverage (MEC) health plan, Telemedicine, Identity Theft Protection, and $10,000 term life coverage.


  • Get Workers Compensation coverage down to a single Independent Contractor
  • Experience a fast and easy signup process available online 24/7 from anywhere
  • Enjoy a low monthly premium and no deposit payments
  • Experience additional peace of mind from Identity Theft Protection and $10,000 Group Life Insurance
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Workers Compensation provides Independent Contractors, true Owner Operators, leased on Owner Operators, or Contract Drivers of a Fleet Owner with statutory Workers Compensation. Additional program benefits include an Affordable Care Act (ACA) compliant Minimum Essential Coverage (MEC) health plan, Telemedicine, Identity Theft Protection, and $10,000 term life coverage.


  • Get Workers Compensation coverage down to a single Independent Contractor
  • Experience a fast and easy signup process available online 24/7 from anywhere
  • Enjoy a low monthly premium and no deposit payments
  • Get peace of mind from Identity Theft Protection and $10,000 Group Life Insurance

Non-Trucking Liability

Non-Trucking Liability

Non-Trucking Liability Insurance offers Owner Operators protection in the event of an accident when they're not under dispatch and on their own time.  Whether moving a trailer or running errands, this coverage protects against property damage and bodily injury - all in one convenient endorsement to your commercial auto policy.

Physical Damage

Physical Damage Insurance offers invaluable protection against the potentially devastating consequences of vehicular accidents.  It's an essential form of coverage for Motor Carriers and Owner Operators, often required if there is a lien holder involved.


  • Lease Gap Endorsement: Loan amount over Stated Value
  • Towing/Storage: No limit if part of a covered loss
  • Mechanical Breakdown: Up to $2,500 with $250 deductible
  • Glass coverage: $100 deductible
  • Rental Reimbursement: $150 each day or $750 each week up to $5,000 for any one occurrence
Physical Damage

Physical Damage Insurance offers invaluable protection against the potentially devastating consequences of vehicular accidents. It's an essential form of coverage for Motor Carriers and Owner Operators, often required if there is a lien holder involved.


  • Lease Gap Endorsement: Loan amount over Stated Value
  • Towing/Storage: No limit if part of a covered loss
  • Mechanical Breakdown: Up to $2,500 with $250 deductible
  • Glass coverage: $100 deductible
  • Rental Reimbursement: $150 each day or $750 each week up to $5,000 for any one occurrence

TripExcess®

TripExcess

TripExcess® offers a cutting-edge online platform for Insurance Agents, Motor Carriers, and Freight Brokers to conveniently purchase excess auto liability, general liability, and cargo insurance for one-way shipments.


  • Save time and money by only paying for the coverage you need when you need it
  • Quote, bind, pay, and send certificates in just a few minutes online with no paperwork
  • Backed by strong domestic paper with an A.M. Best "A, XV" rating
  • Experience 24/7 access to on-demand insurance that works around your schedule
  • Cost-effective approach to meeting insurance requirements
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Passenger Accident

Passenger Accident Insurance provides benefits to guest passengers who suffer a covered injury while traveling with a driver who is operating and under lease on authorized trips on behalf of the covered trucking company (“the Policyholder”).


  • Standalone Passenger Accident Insurance: Covers Employee and Owner Operator passengers
  • Flexible Plan Options: Choose from three coverage limits - $100,000, $200,000, or $300,000 - to find the best plan for your business
  • Low-touch Operations: No monthly passenger reporting is required, making it a low-maintenance solution for Motor Carriers and Insurance Agents
  • Minimal Administrative Burden: The policy reduces administrative hassle with only an annual premium calculation and no month-to-month reporting of exposures

Passenger Accident Insurance provides benefits to guest passengers who suffer a covered injury while traveling with a driver who is operating and under lease on authorized trips on behalf of the covered trucking company (“the Policyholder”).


  • Standalone Passenger Accident Insurance: Covers Employee and Owner Operator passengers
  • Flexible Plan Options: Choose from three coverage limits - $100,000, $200,000, or $300,000 - to find the best plan for your business
  • Low-touch Operations: No monthly passenger reporting is required, making it a low-maintenance solution for Motor Carriers and Insurance Agents
  • Minimal Administrative Burden: The policy reduces administrative hassle with only an annual premium calculation and no month-to-month reporting of exposures

Truckers Inbound Travel Insurance (B-1 Visa Drivers)

This innovative policy is a unique blend, combining traditional Occupational Accident Insurance coverages—such as Medical, Disability, and Accidental Death & Dismemberment (AD&D)—with essential Travel Insurance benefits. These benefits include coverage for non-work-related Emergency Medical Conditions, Medical Evacuation, and Repatriation.


  • 24 Hour Coverage While Traveling in the United States
  • Accidental Death and Dismemberment Benefit - Lump Sum Payment
  • Temporary Total Disability Benefit
  • Medical Coverage: Occupational, Non-Occupational
  • Pre-Existing Conditions - $10,000 Maximum Limit
  • CBA Administration
  • Travel Benefits

• Emergency Medical Evacuation

• Emergency Family Travel Benefit

• Repatriation of Remains

• Emergency Medical Evacuation

• Home Country Extension – 30 Days up to $1,000