Your employee's health and safety are crucial to the success of your business.
Occupational Accident (Occ/Acc) coverage is a cost-effective alternative to state workers' compensation for independent contractors and owner-operators. This specialized insurance provides comprehensive protection for truck drivers who are not covered under traditional workers' compensation policies.
Unlike workers' compensation, Occ/Acc coverage is specifically designed for the trucking industry and offers more flexible coverage options. It protects your business from the financial burden of workplace accidents while ensuring your drivers receive the medical care and benefits they need.
Occupational Accident Insurance provides essential coverage for independent contractors in the trucking industry. This coverage includes benefits for accidental death, dismemberment, paralysis, disability, and medical expenses resulting from work-related accidents.
Occ/Acc coverage is specifically designed for Owner-Operators (1099 employees) or non-W-2 employees, distinguishing it from workers' compensation which covers W-2 or company drivers. This specialized coverage ensures that independent contractors receive the protection they need while maintaining their independent status.
Max Insurance offers comprehensive Occupational Accident programs tailored to the unique needs of the trucking industry, providing peace of mind for both carriers and their independent contractors.
Our program protects independent contractors who are not participating in large group motor carrier programs. We provide comprehensive financial protection from accidental medical expenses, ensuring that your drivers and your business are protected in the event of workplace accidents.
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