Occupational Accident Coverage (OCC/ACC)


Enhanced Liability Protection for Trucking Businesses

Trucking Insruance meant to Protect You

Occupational Accident Insurance is a vital form of contingent liability insurance designed to provide coverage for owner-operators in scenarios where they might seek protection under the motor carrier’s Worker’s Compensation policy. This coverage can be procured either by the owner-operator themselves or by the motor carrier, acting as a protective shield for fleets and independent contractors. 

Key Features of Occupational Accident Coverage 

• Accidental Death & Dismemberment:
Offers financial protection against unforeseen accidents resulting in death or severe injuries.
• Medical Expenses: Covers medical costs arising from injuries or illnesses sustained during occupational activities.
• Disability Coverage: Ensures income replacement and support for owner-operators who might face temporary or permanent disabilities due to accidents. 
Additionally, Occupational Accident Coverage can be tailored to include other types of coverage based on the specific needs of the owner-operator or the motor carrier. 

Why Occupational Accident Coverage is Essential 

In an industry as dynamic as trucking, risks are inevitable. Occupational Accident Coverage ensures that owner-operators have a safety net, protecting them from potential financial burdens arising from accidents. Whether it’s medical expenses, disability support, or protection against accidental death, this coverage offers comprehensive protection, ensuring peace of mind for both owner-operators and motor carriers.

Get the Coverage You Need 
At TWI Insurance Agency, we understand the unique risks faced by owner-operators. Our tailored Occupational Accident Insurance policies provide comprehensive protection, ensuring you remain secure and supported in the event of an accident. 
Contact us today to learn more about our Occupational Accident Coverage options and how we can help protect your trucking business. 
Call us at 806-331-2240 or email us at quotes@thetwiagency.com