Occupational Accident Insurance

Occupational accident insurance provides medical, disability, and death benefits to independent contractors and owner-operators who are injured while working. Since independent truckers are not employees, they typically do not qualify for workers compensation benefits. Occupational accident insurance fills that critical gap.

A standard occupational accident policy covers medical expenses from work-related injuries, temporary and permanent disability payments, and accidental death and dismemberment benefits. Some policies also include passenger coverage and 24-hour protection that extends beyond work hours. Coverage limits vary widely, so it is important to choose a policy with adequate benefits.

Many motor carriers require their leased owner-operators to carry occupational accident insurance as a condition of the lease agreement. Even when not required, it is strongly recommended. A serious injury without coverage could mean tens of thousands of dollars in medical bills and months without income. At Full Coverage, we offer occupational accident policies starting at competitive monthly rates that protect your health and your livelihood.

Not the Same as Workers' Compensation

Workers' compensation is set by state law, and each state decides who must carry it, including whether an owner-operator can or must be covered. Occupational accident is a policy an independent contractor buys where workers' compensation does not apply; it does not replace coverage a state requires, and its benefits are capped at the limits written in the policy.

Example

A leased owner-operator with no workers' compensation of their own slips off the catwalk while connecting air lines and breaks a wrist. Their occupational accident policy pays the covered medical bills and a weekly disability benefit up to its limits.