Occupational Accident & Contingent Liability Program
The Occupational Accident & Contingent Liability Program is specific to Motor Carriers. If you are an Owner Operator or driver who is not required by law to carry statutory Workers’ Compensation, Trucking Insurance USA has an individual Occupational Accident plan just for you. Please refer to one of our specialists for more details.
Obtaining the proper Occupational Accident Insurance and Contingent Liability Insurance for your operation is serious business and should be left to a professional. Our specialists at Trucking Insurance USA focus on helping balance your Occupational Accident Insurance and Contingent Liability needs with cost effective programs that provide unique coverage and superior protection. Our agency offer’s the products you need and the service you deserve to get your employees back on the road faster if an unforeseen accident occurs.
What is Occupational Accident Insurance?
Occupational Accident (Occ-Acc) insurance is an affordable alternative to statutory Workers’ Compensation Insurance. Occupational Accident is an insurance product designed for Independent Contractors to provide coverage for medical expenses, loss of wages and provide benefits resulting from a loss due to a work related accident or injury.
What type of coverage does Occupational Accident Insurance provide?
There are three components of Occ-Acc:
1. Accidental Death and Dismemberment
A benefit paid monthly to the owner-operator or their beneficiaries in the event of the loss of use of certain body parts or their death.
When a driver is involved in an accident requiring medical treatment the medical expense coverage will pay for the medical costs up to the limit of the policy for two years
Temporary Total Disability – Partial wage replacement benefit paid to the owner-operator in the event of a covered injury resulting in an inability for the owner-operator to work during the time they are recovering from the covered injury.
Continuous Total Disability (after Temporary Total Disability Period of 104 weeks) – Partial wage replacement benefit paid to the owner-operator in the event of an injury resulting in the complete inability for the owner-operator to work in their qualified occupation during the time they are recovering from the injury. If an Insured Person sustains a Covered Injury after the Insured Person’s normal Social Security retirement age, as determined by federal law, the Insured Person cannot qualify for Continuous Total Disability.
What type of coverage does Contingent Liability Insurance provide?
This coverage provides a layer of protection by providing defense to the Motor Carrier when a qualified Independent Contractor attempts to collect Workers’ Compensation benefits as an employee. If the independent Contractor is deemed an employee, the Contingent Liability Policy will pay benefits equivalent to those payable under the Workers’ Compensation statutes and Employer’s Liability law that apply.
Protect your most important asset…the people behind the wheel. A truck can be replaced, but a person is a different story. Whether you’re looking to protect a single Independent Contractor or dozens, Occupational Accident Insurance helps drivers get well and return to work as quickly as possible. Protect your company by protecting your drivers.
There are many products in the insurance marketplace and chances are we offer them.
Please refer to one of our specialists for a complete listing of all insurance products we provide.