It is not workers compensation, and it does not satisfy a state that requires workers compensation.
Medical, disability and death benefits for owner-operators and contract drivers. It is for drivers who sit outside the workers compensation system.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What occupational accident businesses actually need.
Medical benefits
Treatment for an injury sustained while working, up to a stated limit.
Without it — An owner-operator’s own health plan may exclude injuries arising from work, leaving the bill personal.
Temporary total disability
A weekly benefit while an injured driver cannot work, for a fixed period.
Without it — The truck stops earning and the payments on it do not stop with it.
Accidental death and dismemberment
A lump sum to the driver’s family or to the driver for a catastrophic injury.
Without it — A fatal accident leaves a family with a financed truck and no income behind it.
Where occupational accident shows up.
- Trucking
Owner-operators sit outside workers compensation, and an injury with nothing behind it ends the contract and the income together.
- Long Haul Trucking
Owner-operators sit outside workers compensation and an injury on the road ends the income immediately.
What occupational accident operators ask us.
Can I use this instead of workers compensation?
Only where workers compensation is not required of you, and that is a question of state law and of whether your drivers are genuinely independent contractors rather than employees. Occupational accident is not a substitute a regulator will accept for a required workers compensation policy, and getting the classification wrong is expensive in both directions — misclassified drivers create uninsured comp exposure and premium audits. Ask before you assume, not after a claim.
Why is it cheaper than workers comp?
Because it is a smaller promise. Benefits are capped by the schedule you buy — a stated medical maximum, a weekly disability amount, a fixed number of weeks. Workers compensation benefits are set by state statute and are, for medical, effectively unlimited. You are buying a defined benefit rather than an open-ended one, and the price reflects that.
Does the carrier I am leased to provide it?
Often they offer a plan and deduct it from settlements, and you are generally free to buy your own instead if it meets what the lease requires. It is worth comparing: the deducted plan is convenient and not always the better benefit for the money.