Occupational Accident Insurance for Truckers
Owner-operators and co-owners contracted with a motor carrier face real on-the-job risks that standard health plans often leave uncovered. Occupational Accident coverage fills that gap — protecting your income and your family when a work-related injury strikes.
At a glance
- Enrollment time
- ~10 minutes online
- Waiting period
- None — coverage starts immediately
- Payment
- Affordable monthly premiums
- Documentation
- 100% paperless
What Occupational Accident covers
A comprehensive safety net for injuries that happen on the job. Specific benefit limits are shown during enrollment and in the plan brochure.
Medical Expense Reimbursement
Covers necessary medical treatment costs resulting from an on-the-job accident, including hospital stays, surgery, and rehabilitation.
Temporary Total Disability
Weekly income replacement benefits while you are temporarily unable to work due to a covered occupational injury.
Continuous Total Disability
A monthly benefit that continues after your Temporary Total Disability maximum benefit period has been reached, provided you have been granted a Social Security Disability Award and your disability is expected to continue indefinitely.
Accidental Death & Dismemberment
A benefit paid to your named beneficiary in the event of accidental death, or to you for a covered loss of limb, sight, hearing, or speech — including benefits for severe third-degree burns to covered body areas.
Paralysis Benefit
Monthly benefits paid if a covered injury results in paralysis: quadriplegia (100% of principal sum), paraplegia or hemiplegia (50%), or uniplegia (25%), payable over the maximum benefit period.
Survivors Benefit
Monthly payments to a surviving spouse — or to dependent children if there is no surviving spouse — following a covered accidental death, up to the principal sum.
Enroll in minutes, not days
No phone calls. No paperwork. Four simple steps.
- Step 1
Check eligibility
Confirm you qualify as an owner-operator, co-owner, or motor carrier contractor.
- Step 2
Pick your plan
Select Occupational Accident, Passenger Accident, or both based on your needs.
- Step 3
Enter your info
Provide your business and driver details online — no paper forms required.
- Step 4
Get covered
Complete your e-signature and payment. Coverage begins with no waiting period.
Who qualifies
Coverage is available to active, full-time independent truck Owner-Operators and Co-Owners contracted with a motor carrier under an executed lease agreement.
Owner-Operators
Active, full-time independent truck owners who operate under a lease agreement with a motor carrier to haul commodities.
Co-Owners
Active, full-time individuals who co-own a commercial truck and are contracted with a motor carrier to haul commodities under an executed lease agreement.
Ready to protect your livelihood?
Enrollment takes about 10 minutes and is done entirely online. No phone calls, no paperwork, no waiting period.