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Occupational Accident Insurance - Let us find your best coverage - protection for independent contractors and owner-operators
Occupational accident insurance pays medical, disability and death benefits to independent contractors who are not covered by workers comp. Motor carriers and gig platforms often require it of every owner-operator. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Occupational Accident Quote Request
Applicant Information:
Have these handy
- Number of contractors enrolled
- Type of work or vehicles operated
- Desired benefit levels
- Contractor agreement
Related coverage
Coverage details
What Occupational Accident coverage includes
Occupational accident insurance pays medical, disability and death benefits to independent contractors who are not covered by workers comp.
- Accident medical - Medical bills from on-the-job injuries.
- Disability income - Weekly benefits while a contractor cannot work.
- Accidental death - Lump-sum benefit for beneficiaries.
- Dismemberment - Scheduled benefits for loss of limb or sight.
- Contingent liability - Protects the hiring company if a claim is found to be comp.
Good to know: contingent liability coverage is worth adding – if a state later decides a contractor was really an employee, it can respond where the occ acc policy does not.
Not covered: illness and occupational disease, injuries while off dispatch, and pre-existing conditions on most policies.
Insurance Application:
Occupational Accident
Required forms
Occupational Accident Supplemental Application (PDF)
Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm