Workers Compensation Insurance

Employers are generally required by law to provide workers compensation insurance as protection for job related injury or disease for their employees. These policies are written and priced based upon the duties and payroll amount of the employees. Trucking and warehousing operations remain one of the high rated types of employment due to the frequency and severity of injuries that occur.

Occupational Accident Injury Insurance

The trucking industry consists of a large population of independent contractors (owner operators) who have no employees. Those operators need to have some form of insurance to protect them for their injuries if they get hurt on the job. Occupational Accident Injury Insurance was created for this purpose. For a relatively low cost the owner operator can obtain medical expense and disability coverage for an injury which occurs while working.