• Employers are required to provide workers’ comp to their full-time employees, but not to their contract workers. Despite this, employers are able to help independent contractors protect themselves and their families financially in the event of workplace injuries or death. This is where Occupational Accident (OCC/ACC) comes into play!
• Occupational Accident covers independent truckers who are injured or killed while on the job.
• If you’re an owner/operator working as an independent contractor, you WON’T be covered under a company’s workers’ compensation policy. OCC/ACC is NOT workers’ comp! But it does provide similar financial protections.
• Employers in some states can opt out of providing workers’ comp, but employees and contractors can still sue an employer for injuries or death. Choosing OCC/ACC coverage from a reputable provider such as InsureMyRig is a wise way to protect your company as well as your independent contractors.
• A company can require their independent contractors to purchase Occ Acc. Companies may also specify their OCC/ACC limits, whereas workers’ comp provides statutory limits. Companies are able to select how much OCC/ACC coverage they are willing to provide their contractors.
• If you’re an independent contractor and you are injured on the job, OCC/ACC can help cover your medical expenses or disability leave. There are death benefits as well.
• OCC/ACC can provide coverage in cases of accidental death, dismemberment, paralysis, and other disability or medical expenses as the result of an accident on the job.

So, as you can see; Occupational Accident insurance protects the independent contractor AND the company.

Contact InsureMyRig today to learn more about this highly valuable insurance coverage.