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.