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.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
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Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What occupational accident actually covers.
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.
- Single Truck & Owner-Operator
An owner-operator is usually outside workers compensation, and this is what stands in for it.
Lori Adams, TRS
Commercial Trucking Insurance Advisor
Twenty-five years in trucking insurance. Knows the filings, the radius rules and the carriers that will actually take the risk.
Transportation Risk Specialist (TRS)
What clients with occupational accident 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.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.