Occupational Accident (Occ Acc) insurance provides many benefits to truckers. Coverages afforded are medical expenses, accidental death and or dismemberment, disability payments while off work due to work related injury and the assurance that these benefits won’t cost the trucker his/her business. Limits are, typically $100,000 or $300,000 combined single limits. These limits will cover most on the job injuries. For the owner/operator trucker, occupational accident is also affordable.
There is a daily room rate for hospitalization, along with a weekly disability payment limit. The deductibles are usually $0 to $250. If a trucker has no employees, occupational accident insurance is definitely the most cost effective coverage for accidental job injury protection.
A trucking company that has employees may also apply for occupational accident insurance. When thinking about whether occupational accident coverage will benefit you, you should consider the risks that you, as a trucker, encounter each day. Some of the most common are:
- Slip and fall
- Heavy lifting
- Awkward movement
- Falling object
- Motorized equipment exposure
- Cuts and abrasions
The benefits of occupational accident insurance most definitely out-weigh the costs. Don’t put yourself at risk as a business owner trucker. Get your occupational accident insurance started today,