Occupational Accident Insurance

Occupational accident provides workers' comp-style benefits — medical coverage, temporary and permanent disability, accidental death and dismemberment — for individuals who aren't eligible for workers' compensation. Coverage is purchased by the individual contractor or paid by the motor carrier on the contractor's behalf. Limits are typically structured as $1M accidental death, $500K-$1M accident medical, and weekly disability benefits replacing 70%–100% of income. Continuous total disability benefits often extend up to age 65 for permanent injuries. Coverage is generally narrower than workers' comp but fills the protection gap for independent workers.