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Occupational Accident insurance provides medical and disability benefits to truck drivers who are injured while working. It is commonly used for independent contractors and owner operators who are not covered by traditional workers compensation.
Cogo Insurance places Occupational Accident coverage for owner operators and fleets nationwide. We structure plans that meet lease agreement requirements, reduce employer exposure, and provide meaningful benefits to drivers.
Occupational Accident is an accident only benefit plan. It is designed to respond to injuries arising out of trucking work.
Typical benefits include:
Coverage applies only to covered accidents and only while the driver is engaged in work related activities.
Occupational Accident is commonly used by:
It is not a substitute for workers compensation for W2 employees.
Benefit structures vary by carrier and state, but common limits include:
Cogo Insurance helps align benefit levels with lease agreements and state rules.
Occupational Accident and workers compensation are not the same.
Key differences include:
Using the wrong coverage structure can create serious legal and financial exposure.
Occ Acc pricing is influenced by:
Premiums are usually charged per driver per month, making costs predictable.
Problems often arise when:
Cogo Insurance reviews contracts and explains coverage clearly before binding.
We understand the legal and operational side of trucking.
We help carriers reduce risk while protecting drivers.
No. It is not legally required, but many lease agreements require it for independent contractors.
No. It is not a replacement for workers compensation for W2 employees.
No. It covers accidents only, not illness or occupational disease.
Yes. Unlike workers compensation, Occ Acc does not provide statutory immunity.
It is usually priced per driver per month, based on benefits and states of operation.
Yes. We regularly review lease agreements to confirm coverage compliance.
