Occupational Accident (OCC/ACC) Insurance for Owner-Operator Truckers
What Is OCC/ACC (Occupational Accident) Coverage?
OCC/ACC provides work-injury benefits to owner-operators who are 1099 (not W-2). It can pay for accident medical bills, temporary/continuous disability (lost income), and accidental death & dismemberment after a covered on-the-job accident—like loading/unloading, slipping at a fuel stop, or a crash while under dispatch.
Think of it as a workers’ comp-alternative for independent drivers. It usually pairs with Contingent Liability for motor carriers that contract with O/Os.
Coverage Highlights & Common Options
Included/Available: Accident medical (often up to $1,000,000) • Temporary Total Disability (weekly benefit with waiting period) • Continuous/Long-term disability • Accidental Death & Dismemberment • Survivor benefits • Non-occupational accident rider (optional) • Passenger accident (optional) • Contingent liability (for motor carriers contracting O/Os).
What’s Covered / Key Exclusions
Covers: on-the-job accidental injury while under dispatch, fueling, loading/unloading, pre/post-trip, or at a terminal; accident medical; income replacement (weekly); AD&D; survivor benefits.
Excludes: illness/sickness (unless added), most occupational disease, cumulative trauma (varies by form), off-duty/non-occupational injuries (unless rider), pre-existing conditions, intoxication, and racing or other hazardous activities.
Typical Limits: medical up to $1M; AD&D often $100k–$250k; disability $300–$1,000/week up to 104 weeks; waiting period commonly 1–7 days (varies by plan).
Who Needs OCC/ACC?
Owner-operators leased to carriers that require OCC/ACC • Fleet owners with 1099 drivers • New ventures that don’t qualify for workers’ comp • Anyone who wants income & medical protection after a work accident.
Carriers: pair OCC/ACC with Contingent Liability to address misclassification suits and contract requirements.
How Much Does OCC/ACC Cost?
Pricing depends on benefit limits (medical, AD&D), weekly disability amount & waiting period, driver age & experience, haul type/radius, number of O/Os, and optional riders (non-occ, passenger).
Key Pricing Factors
Benefit limits & deductibles
Weekly disability amount & waiting period
Driver age, MVR, years with CDL
Commodity & operating radius
Number of covered owner-operators
We’ll align weekly benefits, waiting periods, and medical limits to match contract requirements and your cash-flow needs.
Why Choose Us for OCC/ACC?
Trucking-specific forms, fast certificates, Contingent Liability pairing, and contract-ready wording for carriers & brokers.
Clear guidance on benefit design, waiting periods, and how OCC/ACC fits with auto, cargo & umbrella to keep you compliant.
Get an OCC/ACC Quote Today
Protect your income and family with tailored Occupational Accident benefits built for the way you run.
👉 Call us at 908-888-0120 or use our quick online form to get started.