How it works
Occupational Accident Insurance for Owner-Operators
Monthly occ/acc for 1099 owner-operators and contract drivers.
Explainer video coming soon
Read on for how Occ/Acc works.
Accidental death, medical and disability benefits, with contingent liability included. Monthly subscription per driver.
- Monthly subscription, first month pro-rated
- AD&D, accident medical, disability benefits
- Contingent liability included
- Start online 24/7, no phone tag
- Term
- Monthly, cancel anytime
- Premium
- Competitive premiums
- Benefits
- AD&D · Medical · TTD · PTD
- Includes
- Contingent liability
- Who
- 1099 owner-ops & contract drivers
- Age
- Under 70
What is occupational accident insurance?
Occupational accident (occ/acc) insurance pays benefits when an independent contractor driver is hurt on the job: accidental death and dismemberment, accident medical expenses, and temporary or permanent total disability. It exists because owner-operators and 1099 contract drivers are not employees and are not covered by a motor carrier's workers' compensation.
The CargoLabs occ/acc bundle pairs those benefits with contingent liability, which names the shipper and broker on a load as additional insureds for that load, and with membership in the Professional Association of Independent Contractors (PAIC). You buy it as a monthly subscription, first month pro-rated, renews monthly, cancel anytime, and complete the whole application online, including beneficiary details and electronic signature.
Common questions
What is occupational accident insurance for truck drivers?
It's accident coverage for independent contractor drivers who aren't eligible for workers' compensation. It pays accidental death and dismemberment, accident medical and disability benefits when the driver is injured while working.
Who is eligible?
Independent contractors paid on a 1099 (owner-operators, scheduled co-drivers, contract drivers of an owner-operator and other independent contractors) under age 70. W2 employees are not eligible, and applicants who are not residents of Maryland, North Carolina, New York, South Dakota or the US Virgin Islands.
What does it cost?
The public bundle is a $135 monthly premium (pro-rated for the first month) plus $5 monthly PAIC membership dues and $10 for the contingent liability component. Some agencies offer variants; the recurring price is shown at checkout before you subscribe.
What is contingent liability and why is it bundled?
Contingent liability designates the shipper and broker of a load as additional insureds for that load, for the time frame on the certificate. It's bundled because it's what brokers and carriers usually ask an independent driver to carry alongside occ/acc.
What is PAIC?
The Professional Association of Independent Contractors. Membership ($5/month) is part of the bundle and supports the driver's status as an independent contractor.
Are there commodity or equipment exclusions?
Yes. Drivers hauling in the oil & gas industry, liquids/gases, logs, livestock, oilfield equipment, autos, mobile homes/RVs, coal/coke, garbage/refuse, mining, nuclear or radioactive materials, or moving and storage are excluded, as are moving-and-storage straight trucks, auto haulers, taxi/limo/rideshare, courier, tow trucks and garbage trucks. You affirm these during enrollment.
Quoted as a subscription · bundle · instant certificate on bind.