Occupational Accident Insurance for Truckers
Independent truckers and contract drivers are hustling to meet record-setting demands for freight hauling. But with expanding opportunities come growing risks, including the potential for work-related injuries not covered by traditional workers’ insurance. For owner-operators, a loss of income due to injury and even a short-term disability could be disastrous.
Out of 2 million tractor trailers on the road, the Federal Motor Carrier Safety Administration estimated 120,000 injury accidents involving large trucks in the year 2018.
Having occupational accident insurance is a must. It’s affordable and most of all, it can help pay the bills when you are recovering from accidents and injuries. Your medical treatments are taken care of. There’s the benefit for wage replacement.
What is Accident Insurance?
Accident insurance is a type of supplemental disability insurance coverage a truck driver can purchase to protect their paycheck if they get injured including accidental death and dismemberment insurance, loss of sight, speech, and hearing. Some companies don’t provide the option to purchase traditional disability insurance at work, and some contractors can’t be insured. This is where the personal accident insurance policy comes into play. The neat thing about this liability insurance product is everyone is guaranteed (no medical underwriting) to get coverage despite health issues (occupational exclusions below), and the process takes about 10 minutes from start to finish.
Truckers Health Coverage accident insurance for trucking is available and provides owner-operators and independent truck drivers coverage for medical expenses and disability income (lost wages) if a driver is injured while working. In addition to providing independent truckers and owner-operators a broad range of medical, disability, death and dismemberment benefits for accidents that occur on the job, Truckers Health Coverage accident insurance for trucking also delivers coverage enhancements not widely available, such as truck payment coverage if an injured driver is unable to work and is struggling to make loan payments. These benefits give independent truckers additional financial security when they are taken off the road.
Occupational accident insurance may be one of the biggest fixed expenses in the trucking industry, but also one of the biggest opportunities to save money. The money you can save on your policies will have a nice impact on your bottom line.
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Custom coverage helps you save money on the things you don't need
Protecting your trucking business or yourself means being insured properly. Whether you need primary truck insurance or need to add general liability, insurance doesn’t have to be an extraordinary expenditure — and adding it to your business costs could help you survive the financial burden of an accident or disaster.
Our insurance experts will take the time to explain coverage options and walk you through types and choices. Primary is required, general liability might be required or suggested, and any other endorsements will strengthen your protection. Think about your business and contemplate worst-case-scenarios.
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Quality coverage you can count on when you need it most
In spite of your best efforts to prevent them, accidents can and do happen everyday. If a serious accident occurs, your primary concern should be recovering from the injury and not the financial loss an accident can case you.
With Truckers Health Coverage occupational accident insurance, you'll be covered with an insurance that goes farther than other plans out there.
- No “Pre-Existing Conditions” Clause – Other policies will exclude reoccurrence of past accidental injuries.
- No “Under Dispatch” Requirement – You are covered when you have your load and you are covered after your drop off and drive home.
- No “Current and Valid CDL” Requirement – In the possible case that your license becomes suspended, you are still covered.
- No Accidental Death Payment Sublimits – Your accidental death benefit will pay according to the schedule, regardless of who the beneficiary is.
- Accidental Dismemberment Covers Loss Of Use – Other plans will only cover a total severage.
