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Trucking Occupational Accident Insurance

As a compliment to your overall transportation insurance package, we offer Trucking Occupational Accident insurance for independent Owner-Operators or Motor Carriers who utilize independent owner-operators. Occupational Accident applies to accidental injuries that occur while under dispatch by a motor carrier.

Occupational Accident Insurance provides benefits such as:

  • Accident Medical Expense – up to $1,000,000 limit per accident
  • Accidental Death – up to $100,000 limit
  • Accident Disability Income – up to 104 weeks of income

Contingent Liability (available on fleets with 10+ power units)

When a trucking company sponsors an Occupational Accident Program, Contingent Liability coverage is then available to protect the motor in the event that an injured Owner Operator seeks employee status. Depending on the insurance company used, the Contingent Liability policy will either pay Workers Comp benefits on behalf of the motor carrier, or it will reimburse the motor carrier for any related expenses – which are not covered by any other insurance – that are paid to an Owner Operator who is successful in being deemed an employee of the motor carrier.

We can design Occupational Accident plans for motor carriers that sponsor programs for their Owner-Operators, and can also handle groups of individual Owner-Operators that do not have access to a sponsored plan.

Please complete our one page quick quote sheet for a quick premium indication or call us at (844) 235-9449 to speak to one of our licensed trucking agents.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy.


Top notch organization to deal with for commercial truck insurance. When I thought I had a serious issue aquiring truck insurance, John @ Big Rig expedited things and came thru with top rated insurer for a premuim price almost half of what I was being quoted. Give him a call and let him work his magic. He got my 100% approval!

Jan – Singleton Trucking Inc.

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I have been in the trucking business for about 5 years. I have had 2 other insurance agency’s. I switched to Insure Big Rig about a year ago and hands down this is the best service I have ever received. The products that they offer are over the top. No one else can offer the products that Insure Big Rig provides. Very happy customer.

Jesse - Dreamers Transport LLC



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