✔ Occupational Accident Insurance – Provides financial protection for work-related injuries to Independent Contractors. Typical coverages include medical expenses, disability benefits and accidental death/dismemberment payouts.
✔ Passenger Accident Coverage –Provides coverage for authorized non-employee guest passengers in the truck, such as family members or friends. Typical Passenger Accident policies include medical expenses death/dismemberment payouts.
**PASSENGER ACCIDENT INSURANCE AVAILABLE FOR PURCHASE UNDER OCCUPATIONAL ACCIDENT COVERAGE**
✔ Business Overhead Expense –Reimburses fixed operating expenses for the business if the Owner/Operator becomes totally disabled or is unable to work due to an accident in his truck.
**BOE (Business Overhead Expense) IS AVAILABLE FOR PURCHASE UNDER OCCUPATIONAL ACCIDENT COVERAGE**
✔ Non-Trucking Liability – Provides coverage for leased Owner/Operators and Independent Contractors when the truck is used for personal use or commuting home. This coverage is for when the truck is NOT on dispatch.
✔ Travel Accident Reimbursement Coverage – Provides transportation home for the covered driver when the truck is not operable due to an accident. Whether or not transportation home results in a rental car or airway ticket depends on the distance from the accident to the covered driver’s residence.