Owner-Operator Truck Insurance

Coverages for independent drivers include:

• Occupational accident: Pays medical expenses and disability income if the driver is injured while working.
• Physical damage: Provides collision and comprehensive coverage when a truck is damaged in an accident, theft, fire, hail or other hazards of the open road.
• Non-trucking liability: Designed to close coverage gaps that may arise when a contractor uses the truck for non-work activities.
• Passenger accident: Provides accident benefits for passengers in a covered contractor’s truck.

Available enhancements include:

• Truck payment coverage: Helps truck drivers meet financing obligations if an injury prevents them from working.
• Vocational retraining: If a trucker cannot return to driving after an injury.
• Critical burn: Because the risk of severe burns is high in trucking.
• Non-medical repatriation and return of remains: If an accident extends a driver’s time away from home or results in death.

Companies that choose Zurich’s Occupational Accident coverage for their drivers also have the following options.

• Contingent liability: Offers companies legal defense and workers’ compensation settlement/benefit costs if a covered contractor seeks employment status for purposes of receiving workers’ compensation.
• Corporate workers’ compensation: Statutory workers’ compensation policy issued to a company to cover employee injuries and events outlined in state law. Generally provides coverage for medical bills and lost wages for employees who are injured on the job regardless of fault.
• Fleet workers compensation: Statutory workers’ compensation policy issued to an eligible trucking fleet owner contracted exclusively to an approved motor carrier.
• Accidental death and dismemberment buy-back: For transportation companies that self-insure, provides protection for their statutory workers’ compensation deductible by reimbursing for workers’ compensation AD&D claims.