Trucking Insurance
Occupational Accident
Injury cover for owner-operators who fall outside workers compensation.
An owner-operator working as an independent contractor generally is not an employee, so workers compensation does not apply. That leaves a real gap: a serious injury on the job with no wage replacement and no medical cover.
Occupational accident fills it with a defined set of benefits. It is not a substitute for workers compensation where the law requires that instead, and the distinction between contractor and employee is worth getting right.
Who usually needs it
Independent owner-operators and the carriers who contract with them, where workers compensation is not the required or available route.
Not sure whether you need this?
Tell us how you run — owner-operator or fleet, own authority or leased on — and we will tell you straight which coverages actually apply.
Or call (503) 667-2820