Passenger Accident Insurance for Commercial Truckers
When a passenger rides in your cab, you carry responsibility for their safety. Passenger Accident coverage provides accidental death and injury benefits for non-driving occupants — protecting both them and your peace of mind.
At a glance
- Who is covered
- Non-driving cab occupants
- Waiting period
- None — coverage starts immediately
- Enrollment time
- ~10 minutes online
- Add-on option
- Bundle with Occupational Accident
What Passenger Accident covers
Benefits that apply to passengers travelling in your cab at the time of a covered accident. Specific benefit limits are shown during enrollment and in the plan brochure.
Accidental Death Benefit
A lump-sum benefit paid to the passenger's named beneficiary if a covered accident results in the passenger's death.
Dismemberment Benefit
A benefit paid to the passenger for a covered loss of limb or sight resulting from a qualifying accident.
Medical Expense Benefit
Reimburses necessary medical and hospital costs incurred by a passenger injured in a covered accident.
Standard policies don't cover your passengers
It is common for a co-owner, family member, or helper to ride along on a haul. Standard commercial truck policies and Occupational Accident plans cover the driver — not the people in the passenger seat. Without Passenger Accident coverage, an injured rider could face out-of-pocket medical expenses or pursue legal action against you personally.
Adding Passenger Accident to your Occupational Accident plan is the most complete way to protect everyone in the cab, and enrollment for both happens in a single online session.
Start enrollmentEnroll 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 Owner-Operators and Co-Owners contracted with a motor carrier, for the authorized passengers they carry in their vehicle.
Owner-Operators & Co-Owners
Active, full-time independent truck Owner-Operators and Co-Owners contracted with a motor carrier under an executed lease agreement who carry authorized passengers.
Authorized Guest Passengers
Authorized guests riding with an Owner-Operator or Motor Carrier employee in the HSR program, whose names are on file with HSR and for whom the required premium has been paid.
Ready to protect everyone in your cab?
Enrollment takes about 10 minutes and is done entirely online. No phone calls, no paperwork, no waiting period.