Occupational Accident Insurance
Medical, disability, and accidental death benefits for owner-operators and 1099 contract drivers — a flexible alternative to traditional workers' compensation for motor carriers and lease-on operators.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
What Is Occupational Accident Insurance?
Occupational accident insurance — often shortened to "Occ Acc" — provides medical, disability, and accidental death benefits to owner-operators and 1099 contract drivers who are not enrolled in traditional workers' compensation. It is the industry-standard way for motor carriers to provide on-the-job injury protection to leased owner-operators without triggering employee classification.
Standard Occ Acc Benefits
Accidental Medical Expense
Up to $1M+ for hospital, surgical, and rehab costs from on-the-job injuries.
Temporary Total Disability
Weekly income replacement while you're unable to drive.
Continuous Total Disability
Long-term benefits if a covered injury keeps you off the truck permanently.
Accidental Death & Dismemberment
Lump-sum benefits paid to you or your beneficiaries.
Who Should Carry Occ Acc?
- Owner-operators leased to a motor carrier
- Independent contractors driving under their own authority
- Motor carriers that contract with 1099 drivers and want to offer injury benefits
- Fleets that need supplemental coverage on top of statutory workers' comp
Talk to a Truxsurance Specialist
We place both motor-carrier programs (group Occ Acc for leased operators) and individual owner-operator policies. Our specialists will quote the right benefit schedule for your operation.
or call 888-254-0089