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Occupational Accident Insurance
Occupational accident insurance is available through Royalty Truck Insurance for motor carriers or trucking companies that need insurance for employees.
One such type of insurance is occupational accident insurance. For a full line of insurance options we offer for motor carriers or fleets, please visit our main motor carrier insurance page.
Occupational Accident Coverage
Occupational accident coverage is a common policy in the commercial trucking industry that’s designed for independent owner operators or contract truck drivers leased to larger motor carriers.
It is not a substitute or even an alternative to workers compensation insurance, since almost every State mandates workers compensation and regulates its purchase.
Occupational accident coverage, however, is a policy that’s designed with a similar scope and the same intent as workers compensation.
What Occupational Accident Insurance Covers
Occupational accident insurance covers typical illnesses or injuries that may be associated with normal operations in the commercial trucking industry. It also can protect contractors and policyholders against liability in the case of litigation that may ensue based on injury or illness that stems from the workplace.
Who Occupational Accident Insurance Is Designed For
Independent contractors are often not required by State law to possess workers compensation policies, but many motor carriers are allowed to require they purchase it at their own expense before leasing with the company.
Occupational accident insurance can be a less expensive alternative for drivers who aren’t interested in fronting the expense for workers compensation.
Talk to an agent today for more info on occupational accident insurance or to obtain free commercial truck insurance quotes!
Insurance for Your Employees
There are many types of commercial truck insurance to choose from since the industry is so diverse. There are trucking insurance policies that match just about any type of specialty vehicle, commercial trucking application or employment situation in the industry.