Overview
As a 1099 independent contractor, you usually aren't covered by the motor carrier's workers' compensation. If you're injured loading, unloading, climbing out of the cab or in an accident, your health insurance may not cover it and you have no paycheck while you recover.
Occupational accident insurance pays medical expenses, replaces part of your income while you're disabled, and provides accidental death benefits for your family. Many motor carriers require it before you lease on.
What It Covers
Accident Medical Expenses
Hospital, surgery, doctor visits and rehab for injuries sustained while working.
Temporary Total Disability
Weekly income while you're unable to work after a covered injury.
Continuous Total Disability
Longer-term income if an injury keeps you off the road permanently.
Accidental Death & Dismemberment
Lump-sum benefits to you or your family for severe or fatal injuries.
Who Needs It
- 1099 owner-operators leased to motor carriers
- Drivers whose lease requires occupational accident coverage
- Independent contractors not covered by workers' comp
What Affects Your Price
- Benefit limits and weekly disability amount
- Waiting period
- Age
- Type of operation
Roy's tip: Occupational accident is not health insurance. It only covers on-the-job injuries. Pair it with a health plan for illness and off-duty care.
Frequently Asked Questions
Is occupational accident the same as workers' comp?
No. Workers' comp is a state-regulated system for employees with benefits set by law. Occupational accident is a private policy with benefits and limits set by the contract. It's generally less expensive but also less comprehensive.
Can I get this if I run my own authority?
Yes. Owner-operators with their own authority can buy occupational accident for themselves. If you have employee drivers, you may need workers' compensation instead, depending on your state.