Occupational Accident Program

Our Occupation Accident offerings provide competitively written policy terms and conditions with a broad range of limits. It provides Occupational and Non-occupational benefits with optional extensions of coverage riders for Casual Laborer (Helpers) and for Passenger Accident. Classes of business include: Long Haul Truckers, Moving & Storage, Couriers and more. Contact AU if you have a need for a specific group of Independent Contractors. Innovation is part of our DNA.

  • Nationally Exclusive Programs

  • A Rated Carriers

  • Includes:

    • Occupational Accident

    • Non-Occupational Accident

    • Passenger Accident by endorsement

    • Casual Laborer by endorsement

    • Contingent Liability

    • Contingent E&O

    • Worker Compensation

  • Providing nationwide truck insurance coverage through select network of independent insurance agencies.

Occupational Accident

Policy offers competitively written policy terms and conditions with a broad range of limits. It provides Occupational and Non-occupational benefits with optional extensions of coverage riders for Casual Laborers (Helpers) and for Passenger Accident.

The covered Activity is defined as, “while engaged in activities required in the performance of the contract” versus other offerings that use “while under dispatch”.

Contingent Liability

This policy is designed to help protect the client motor carrier from drivers who file legal action seeking reclassification as an employee for purposes of gaining access to workers’ compensation benefits due to a work related injury.

It provides coverage for expenses that arise from the legal defense of the suit as well as settlement provisions to pay benefits equivalent to statutory required benefits under workers compensation in the event a covered driver is deemed compensable as an employee.

Contingent Errors & Omissions

Policy is NOT the typical Contingent Liability coverage. This new coverage form is still tied to the occurrence of an occupational injury being incurred by a covered independent contractor just like other CL forms. However, our policy provides defense and reimbursement for financial damages that could result from a reclassification action not traditionally covered by our competitors.

Worker’s Compensation

Coverage will be provided as part of the program bundle and will be offered for Motor Carrier’s Corporate Workers’ Comp for W-2 employees, Fleet Owners with sub-drivers, and for individual Owner Operators where coverage is mandated by state statute.

Information provided on our website is intended as an overview for our products and programs. This website does not provide detailed information or interpretation of specific insurance contracts, policies and/or policy language, and is not designed to be a substitute for such information in terms of claims handling and/or settlement. For complete coverage information, please refer to the applicable specific policy in its entirety, including all applicable endorsements.