Occupational Accident Insurance
Occupational accident insurance pays medical and disability benefits for on-the-job injuries to owner-operators and 1099 contractors, and is the common alternative where workers’ comp does not apply.
Leased-on owner-operators and 1099 contractors usually aren’t covered by a motor carrier’s workers’ comp. Occupational accident coverage fills that role — and in Texas, where comp is optional, many fleets use occ/acc as their core injury coverage.
What it covers
- Accidental medical expense for on-the-job injury
- Disability income while a driver cannot work
- Accidental death and dismemberment benefits
- A fit for 1099 / owner-operator fleets and non-subscriber programs
Who needs it
Fleets built on leased-on owner-operators or 1099 contractors, and Texas carriers that non-subscribe from workers’ comp.
Common questions
- What’s the difference between occupational accident and workers’ comp?
- Workers’ comp is a statutory, broad benefit for W-2 employees. Occupational accident is a private policy with defined benefit limits, typically used for 1099 owner-operators or by Texas fleets that opt out of comp. Occ/acc usually costs less but covers less — we match the choice to how your drivers are classified.