What workers’ comp & occupational accident covers
- Medical bills for work-related injuries
- Lost wages while recovering
- Disability and accidental death benefits
- Employer’s liability (workers’ comp)
- Coverage for independent contractors (occupational accident)
Who needs it
Any trucking company with employees (rules vary by state), and owner-operators leased to carriers that require occupational accident coverage.
Common requirements
- Workers’ comp rules and minimums are set by each state
- Occupational accident is often required by motor carriers for leased owner-operators
- Payroll and driver classification affect pricing
Requirements change by state, cargo and contract. This page is general information — your agent will confirm what applies to your operation.
