Occupational Accident Insurance for Arizona and Texas Owner-Operators
Protection For Independent Drivers
Owner-operators and leased drivers who are not on workers comp still need a safety net for on-the-job injuries. Occupational accident insurance can include accident medical, disability benefits, and accidental death benefits. Auto Insurance Specialist supports drivers running I-10 through Casa Grande and I-35 across Texas, with programs sized for one truck or a small fleet. If you run for a carrier, we set terms that match lease requirements and speed up COIs.
Benefits And Options
Select accident medical limits, temporary and permanent disability, and weekly indemnity to keep bills paid while you recover. Add passenger coverage and AD&D where needed. We coordinate proof for brokers and shippers and explain how benefits work when you are off dispatch.
Pair It With The Right Coverages
Most programs sit alongside
long haul trucking insurance, non-trucking liability, motor truck cargo, and
commercial auto insurance for light-duty units. We align renewal dates and billing so you have one calendar for all trucking policies.
questions?
Occupational Accident Questions
Is this the same as workers comp?
No, it is a separate benefit structure for independent drivers and leased-on owner-operators.
Can a carrier require it?
Many do; we will match terms to the lease.
Does it cover me off dispatch?
We will outline when coverage applies and add endorsements as needed.