On-The-Job Protection

Occupational Accident Insurance

As an independent owner-operator, you don't have an employer providing workers' compensation. If you're injured on the job — and trucking is a dangerous job — you bear that risk alone. Until now.

Trucking has one of the highest rates of serious workplace injuries. Occ/acc coverage is often the most undervalued — and most important — policy a hot shot trucker can carry.

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Medical Benefits

Coverage for emergency care, hospitalization, surgery, physical therapy, and related medical expenses from a work-related injury. Limits typically $500K–$1M.

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Disability Benefits

Weekly income replacement while you recover from a disabling injury. Temporary total disability typically pays 70–80% of your average weekly earnings.

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Accidental Death Benefit

Lump-sum benefit paid to your beneficiary if you die as a result of a covered work-related accident. Provides crucial protection for your family.

What Occ/Acc Covers

Injuries loading and unloading freight

Slip-and-fall accidents around your equipment

Injuries during mechanical work on your truck

Traffic accident injuries

Injuries at customer locations

Injuries during tie-down and securement

Typical Annual Cost

$1K–$3K

One of the best values in trucking insurance. For $80–$250/month, you get up to $1M in medical coverage and weekly income replacement.

Common Questions

Do I need occ/acc if I already have health insurance?

Your personal health insurance may have exclusions for work-related injuries, or your health insurer may subrogate (seek repayment) against your business if the injury was work-related. Occ/acc is specifically designed for on-the-job trucking injuries and provides benefits your health insurance likely won't.

What disabilities qualify for benefits?

Temporary total disability (unable to work due to injury), permanent partial disability (long-term reduced capacity), and permanent total disability (unable to ever return to trucking) all qualify for different benefit levels. We'll match you with a policy that provides the right disability structure for your situation.

How does the death benefit work?

If you die in a work-related accident, the accidental death benefit pays a lump sum to your named beneficiary. Benefits typically range from $100,000 to $500,000 depending on your coverage level. This provides crucial protection for your family.

Does occ/acc cover me if I'm leased to a carrier?

Yes — occupational accident is designed for owner-operators leased to carriers, not employees. Most carriers require their leased operators to carry their own occ/acc coverage since they don't provide workers' comp.

Don't Risk It — Get Covered Today

Occupational accident coverage is available same day. Don't haul another load without it.

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