Commercial Truck - Occupational Accident

IAT Insurance Group's Occupational Accident coverage provides essential protection for these drivers, ensuring they have the financial support they need in case of accidents or injuries. Our coverage is designed to safeguard Owner-Operators against unexpected events while keeping their operations moving forward.

What is Occupational Accident Coverage?

Occupational Accident coverage is vital for businesses that rely on Independent Contractors or Owner-Operators. It offers a safety net for medical expenses, disability income, and accidental death benefits, allowing injured workers to recover without the burden of financial stress. This coverage is designed to fill the gaps in standard insurance policies, providing peace of mind for both agents and their clients.

Coverage Highlights

Our Occupational Accident coverage includes a wide range of benefits tailored to meet the needs of Independent Contractors:

Medical Benefits:
Providing up to $1 million or $2 million Combined Single Limit (CSL), serving as primary coverage over existing health insurance. This ensures that medical expenses resulting from an accident are covered, reducing the financial burden on drivers and their families.

Temporary Total Disability Benefits:
Offering weekly benefits ranging from $400 to $750 to replace lost income while recovering from a covered injury. This benefit helps maintain financial stability during periods when they are unable to work.

Non-Occupational Benefits:
Providing up to $25,000 CSL for accidents or injuries that occur outside of work. This coverage extends financial protection beyond the job, providing peace of mind for independent contractors in all aspects of their lives.

Accidental Death & Dismemberment (AD&D):
Delivering benefits in the event of a severe injury, such as loss of limb, sight, or life due to a covered accident. This benefit offers vital financial support to the contractor’s beneficiaries.

Paralysis Benefits:
Providing compensation for partial or total paralysis resulting from a covered accident, offering long-term financial support for significant injuries that impact the contractor's ability to work.

Continuous Total Disability Benefits:
Ensuring ongoing financial assistance for contractors who suffer from permanent disabilities that prevent them from returning to work, helping them manage their day-to-day living expenses.

Note: Coverage is not available in NC and NJ, with limitations in CA and NY.