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Coverage Details

Occupational Accident Insurance Coverage:

Core Benefits

  • Accidental Death & Dismemberment (AD&D) and Paralysis
  • Survivor benefit due to accidental death
  • Temporary Total Disability (TTD)
  • Permanent Total Disability (PTD)
  • Accident Medical Expense (AME)

 

Contingent Liability Coverage:

  • Workers’ compensation reimbursement benefits
  • Employers’ liability reimbursement benefits
  • Legal defense reimbursement

 

 

Additional Optional Benefits

  • Non-Occupational Accident Benefits: Provides AD&D and AME coverage for injuries that occur when IC drivers are "off the job." 
  • Passenger Accident Benefits: Provides AD&D and AME coverage for guest passengers who are authorized by the Policyholder to ride in the truck with the covered driver while on dispatch. Passenger cannot be a driver, worker, helper, or a hitchhiker.

 

Client Profile

A transportation carrier that contracts with owner-operators who are not eligible for workers’ compensation.