As any motor carrier knows, America runs on trucks. Motor carriers play a vital role in keeping our factories and offices supplied and our store shelves stocked. But these motor carriers also are aware of the intrinsic risks associated with constantly being on the road. Both employees and independently contracted drivers know that at any time they could be involved in a catastrophic accident. Luckily, the employee driver is protected under the motor carrier's workers' compensation policy. But what about the independently contracted driver?
Prudent motor carriers should protect themselves and also independent owner-operator drivers by offering them comprehensive occupational accident insurance coverage.
Typically, an occupational accident coverage policy offers three components: accidental death and dismemberment, accident medical and accident disability. The coverage is not a general medical or health policy, but rather a specific cause-and-effect policy triggered by an accidental injury that occurs in the course of an insured driver's work. That would include injuries sustained in an accident while en route to a delivery or in slip-and-fall incidents in the course of the driver's duties.
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