Occupational Accident Insurance

occupational accident insuranceOccupational accident insurance provides coverage benefits to independent contractors or owner-operators who are not covered by workers compensation. Does your trucking business rely on contract drivers? You may need occupational accident insurance to ensure that both you and your contractors are protected.

At The Daniel & Henry Company, we specialize in providing comprehensive, cost-effective insurance and risk management solutions. Our experienced team of transportation industry professionals will assess your unique exposures and structure a policy suited to the needs of your individual business. We will be there assist you every step of the way—from risk evaluation to policy design, safety compliance, claims management, and more.

Benefits of Occupational Accident Insurance

As a trucking company owner or fleet manager, there are many benefits to having occupational accident insurance. This type of coverage protects both you and your independent contractors. It allows you to offer benefits to your owner-operators, ensuring that they will be compensated should they suffer an on-the-job injury while working for you. This helps attract quality contractors to your business and decreases the likelihood that they may file a lawsuit against you in the event of injury or illness.

Coverage Options

An additional benefit of occupational accident insurance is the flexibility it offers. Our transportation industry professionals will help you choose from the wide array of available options, including:

  • Accidental death insurance
  • Survivors benefit
  • Accidental dismemberment insurance
  • Accident medical expense coverage
  • Disability coverage
  • Non-occupational accident insurance
  • Passenger accident insurance
  • Hernia and hemorrhoid coverage
  • Chiropractic coverage
  • Contingent liability insurance
  • And more…

For more information on employee benefits and health coverage, visit our pages on Workers Compensation Insurance and Health Insurance for Truckers. Are you an independent contractor or owner-operator? Learn about Owner-Operator Trucking Insurance.

The knowledgeable team at The Daniel & Henry Company will assess your business’s needs and provide you with comprehensive, cost-effective occupational accident insurance and risk management solutions. Contact us online or call our office at 1-877-406-5915.