Occupational Accident
Owner-operators and contract drivers who qualify as independent contractors are usually not covered by state workers compensation laws. This is where Occupational Accident coverage comes in. Occupational Accident coverage can cover an independent contractor for an injury sustained while performing duties associated with your owner-operator trucking business.
Occupational Accident Coverage can provide benefits for:
- Accidental Death
- Dismemberment
- Paralysis
- Accident Disability
- Accident Expenses
It is important to understand that this coverage does not take the place of Workers Compensation insurance.
If you feel that you may benefit from Occupational Accident Insurance, call a licensed agent at Heaton Bennett Insurance. Their staff can help you get a quote and combine your coverages into a great trucking insurance policy. Call 512-372-8311.
Frequently Asked Questions
How does occupational accident insurance differ from workers’ compensation?
Occupational accident and workers’ compensation are different programs with different benefits, eligibility rules, and legal requirements. Businesses should not assume that one satisfies obligations associated with the other.
Who may be eligible for occupational accident insurance?
Coverage may be available for qualifying independent contractors or owner-operators. Eligibility depends on the worker’s classification, duties, and the insurance company’s guidelines.
What types of benefits may be available?
Policies may offer specified benefits for certain accidental injuries, medical expenses, disabilities, or accidental death. Benefit amounts, waiting periods, exclusions, and maximum durations vary.
Does occupational accident insurance cover every work-related injury?
No. Coverage depends on how and when the injury occurred and whether it meets the policy’s requirements. Texas trucking businesses should carefully review exclusions and worker classifications.