Coverage Protecting Truckers During Injury

Coverage Protecting Truckers During Injury

If you own a business, you are responsible for creating a working environment that offers a reasonable expectation of safety and freedom from dangers. Many companies conduct safety training and establish protocols for avoiding accidents, but they can happen. For those in the trucking industry, it can be hard to control what happens within the cab of each truck, and this is an industry where employees can find themselves hurt while on the job.

Workers Comp Alternative

Rather than carrying a workers’ compensation policy, an owner-operator who works for another motor carrier may wish to provide his own financial protection through an occupational accident insurance policy. As noted by the experts at, any company can look to purchase these policies, but they are particularly of use for the trucking industry. Not all states allow this substitution from a traditional workers comp policy, so you need to check your local regulations before changing your plan.

Benefits of OAI

The benefits of occupation accident coverage work like those of a worker’s comp policy. Funds can be used to help situations of

  • Bodily illness or injury
  • Accident death
  • Dismemberment
  • Medical expenses
  • Disability

The primary difference between this policy and workers’ comp is the fact that it is not required by law, although it can help fulfill mandates for employee protections in some states. It is also less expensive, and the carrier gets to determine the details of the coverage.