Driver Injury Protection
Occupational Accident
Occupational Accident insurance provides medical expense, disability income, and accidental death and dismemberment benefits for owner-operators injured on the job. It is a cost-effective alternative to workers' compensation for independent contractors.
What's Covered
- Medical and hospital expenses
- Temporary total disability income
- Permanent total disability benefits
- Accidental death benefit
- Dismemberment benefit
- Paralysis benefit
What's Not Covered
- Pre-existing conditions
- Injuries from intoxication
- Self-inflicted injuries
- Non-occupational injuries (off-duty)
Typical Limits & Deductibles
Medical ExpenseUp to $500,000
Disability BenefitUp to $500/week
Accidental DeathUp to $250,000
Elimination Period7 days typical