TRUCKER'S OCCUPATIONAL ACCIDENT

COMMERCIAL TRUCK DRIVER OCCUPATIONAL ACCIDENT INSURANCE

If a driver is injured while driving their semi or other work-related incidents, this coverage can help pay the cost of medical treatment, prescriptions and even disability payments and benefits for accidental death.

REASONS OCCUPATIONAL ACCIDENT INSURANCE SHOULD BE A PART OF YOUR COMPANY’S RISK MANAGEMENT PROGRAM

  • Employers are required to provide workers’ comp to their full-time employees, but not to their contract workers. Despite this, employers are able to help independent contractors protect themselves and their families financially in the event of workplace injuries or death. This is where Occupational Accident (OCC/ACC) comes into play!

  •  Occupational Accident covers independent truckers who are injured or killed while on the job.

  • OCC/ACC is NOT workers’ compensation.  But it does provide similar financial protections. If you’re an owner/operator working as an independent contractor, you will not be covered under a company’s workers’ compensation policy.

  • Employers in some states can opt out of providing workers’ comp, but employees and contractors can still sue an employer for injuries or death. 

  • A company can require their independent contractors to purchase OCC/ ACC. Companies may also specify their OCC/ACC limits, whereas workers’ comp provides statutory limits. Companies are able to select how much OCC/ACC coverage they are willing to provide their contractors.

  • f you’re an independent contractor and you are injured on the job, OCC/ACC can help cover your medical expenses or disability leave. There are death benefits as well.

  • OCC/ACC can provide coverage in cases of accidental death, dismemberment, paralysis, and other disability or medical expenses as the result of an accident on the job.

© 2020 FOUR POINT INSURANCE AGENCY

 Serving FLORIDA, Greater Miami area, MEDLEY area 

FOUR POINTS INSURANCE AGENCY

9657 NW S River Drive

Medley, FL 33166

 

305-884-8884