Occupational Accident Insurance for Owner-Operators

Are you an owner-operator or 1099 driver running without workers’ compensation? Occupational Accident coverage — Occ Acc — is the work comp alternative built for independent contractors in trucking. It protects you on the job at a cost most owner-operators can actually carry.

Why Choose Occupational Accident Coverage?

In many states, owner-operators and 1099 drivers are not required to carry workers’ compensation — but going without it means one bad day on a dock or under a trailer comes straight out of your pocket. Occ Acc typically costs less than a comparable workers’ comp policy while still covering the injuries that keep you out of the truck. Our agents size the limits to your operation instead of handing you a one-size-fits-all policy.

What Occupational Accident Covers:

• ✓ Accidental Death & Dismemberment: A lump-sum benefit paid to you or your family after a fatal or disabling work-related accident.
• ✓ Disability Income: Replaces a portion of your income while a work-related injury keeps you off the road.
• ✓ Medical Expense: Pays the medical bills from accidents that happen while you are working.

Benefits of Our Service:

• ✓ Lower Cost: Occ Acc is typically less expensive than comparable workers’ compensation coverage.
• ✓ Built for 1099 Drivers: Designed for independent contractors and owner-operators, not W-2 fleets.
• ✓ Fast Setup: We handle the application and get your certificate where it needs to go.
• ✓ Carrier-Ready: Many motor carriers require proof of Occ Acc before you can haul under their authority — we make sure your paperwork holds up.
• ✓ Straight Answers: We will tell you when Occ Acc is the right call and when it is not.

Occ Acc vs. Workers’ Comp:

Workers’ compensation is a statutory benefit — coverage is set by your state and medical costs generally are not capped. Occupational Accident is a contractual policy with defined limits you choose, which is a big part of why the premium runs lower. Which one fits depends on how you are classified, what state you are based in, and what your motor carrier requires. If you are running under your own authority, we can line up your Occ Acc alongside the rest of your commercial truck insurance so nothing falls through the cracks.

Not Sure If Occ Acc or Workers’ Comp Fits Your Operation?

We’ll walk you through it. Call 208-274-8113 or fill out the form below, and one of our agents will lay out both options side by side — a straight comparison so you can pick the coverage that actually fits how you run.