Occupational Accident coverage covers an independent contractor for an injury suffered when performing duties under a lease with a motor carrier as a truck driver and under dispatch of the motor carrier. Because owner-operators are generally not covered by workers' compensation, this important coverage provides financial benefits for accidental death, dismemberment, and paralysis; accident disability; and accident-related medical expenses.
Truck driver Occupational Accident insurance policies are customized for motor carriers, owner-operators, and contract semi-drivers. Flexible policies offer a range of choices in benefit levels so you get the coverage you need. These policies can be bundled with other commercial trucking coverage, which helps keep costs down, and non-occupational coverage and passenger accident coverage can be added.
Occupational Accident may be available for purchase through your motor carrier, but if not, we strongly recommend buying it on your own. Here are five reasons why:
Occupational Accident insurance is essential coverage for the independent contractor who is taking care of business. It assures that income is protected if the trucker cannot work and generate trucking revenue. If you get hurt on the job and can't work, you need these benefits to pay the bills until you can get back in the cab.
The knowledgeable advisors at AssuredPartners Transportation have the expertise to customize an Occupational Accident policy to your needs. Contact us today to learn more.
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