Occupational Accident Insurance

Lighten Your Load with Affordable Coverage

Truckers Occupational Accident Insurance provides an effective solution to the special risks faced by motor carriers and the independent owner-operators who contract with them. Truckers tend to enjoy their freedom and growing percentages are working as independent contractors. American truckers cover millions of miles every day and make an important contribution to the national economy.  Yet day and night, truckers face risks inherent to life on the road. They need to protect themselves and their families from economic losses in the event of accidents.

Motor carriers and the owner-operators who contract with them are confronted with a unique challenge: independent contractors generally can be excluded from Worker’s Compensation policies. The alternative, individual Workers’ Compensation coverage, is expensive and often unavailable to owner-operators. With Truckers Occupational Accident Insurance, benefits are paid directly to the drivers or their survivors. The premium can be deducted from contract fees or included with leasing fees, eliminating complicated administration.

The Coverage

Truckers Occupational Accident Insurance covers eligible on-the-job accidents that owner-operators or contract drivers sustain while under dispatch. We have the expertise and flexible options that enable us to customize this program to cover the unique risks motor carriers and their drivers confront every day. 

*Truckers Occupational Accident Insurance is not Workers’ Compensation coverage and is not a substitute for Workers’ Compensation coverage.

Contingent Liability Insurance 

(Available Option with Occupational Accident Insurance)

Close the Window of Risk

Contingent Liability Insurance helps protect carriers should an owner-operator seek legal employee status. If an owner-operator is deemed an employee, Contingent Liability Insurance responds to cover losses from on-the-job injuries, relieving the corporate Workers’ Compensation policy of this load. This insurance also provides coverage to legally defend the named motor carrier should an owner-operator be deemed an employee. Contingent Liability Insurance benefits motor carriers by providing insured drivers with standard benefit levels, which may be specified amounts or equivalent to statutory Workers’ Compensation coverage. Contingent Liability Insurance is written concurrently with our Truckers Occupational Accident Insurance policy. 
(Program available in most states)

Disclaimer: The Policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, major medical or sickness coverage. This is only a brief description of the coverage(s) available. The Policy contains reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this website information and the Policy, the Policy shall govern. Not all coverages are available in every state. This coverage is not a substitute for Workers Compensation Coverage. To obtain a complete quote, please contact the National Truckers Insurance Services Group, Inc. (NTISG).