OCCUPATIONAL ACCIDENT COVERAGE
Occupational accident coverage typically provides medical, disability, survivor, and death or dismemberment coverage for truck owner operators leased onto a motor carrier if they’re injured on the job, in addition to other coverages.
Why do you need it?
First of all, it protects both owner operators and trucking companies financially. Without it, owner-operators often lack a financial safety net needed to help them recover and return back to work after a workplace injury or illness. If an owner- operator sues for Worker’s Compensation coverage, also means companies run the risk of being drawn into expenses.