Next Day Occupational Accident Coverage
Why Choose Occ Acc Direct?
As an independent owner-operator or professional driver, occupational accident insurance isn’t just an option—it’s a necessity.
Occ Acc Direct offers next-day coverage, ensuring truckers the protection they need, right when it’s needed.
- Immediate Coverage: Choose your start date, as early as tomorrow.
- No Pre-existing Condition Limitations: Get broader coverage without the hassle.
- Special Group Rates for Fleets: Up to $1 million in accidental medical coverage.
Drivers in California, Colorado, Connecticut, New Hampshire, New York, North Carolina and Vermont, please call 815-341-4030.
Choose your start date, as early as tomorrow.
Trucker Accidental Medical Coverage
Crum & Forster has been a trusted name in the insurance industry for over 200 years, offering a wealth of experience and expertise. Their A+ financial strength rating from leading agencies underscores their reliability and stability, making them a secure choice for your occupational accident insurance needs. Tailored specifically for various professions, including truckers, Crum & Forster’s occupational accident insurance policies provide comprehensive coverage that you can depend on.
Occupational Accident Coverage Highlights:
- Prompt Coverage:
Select your coverage start date, which can be as soon as the next day.
- Inclusive Health Criteria:
Obtain expansive coverage without worrying about pre-existing conditions.
- Group Discounts for Fleet Owners:
Benefit from up to $1 million in accidental medical coverage at special rates.
- Streamlined Application Process:
Experience a simple and quick online application, ensuring immediate issue.
- Flexible Benefit Options:
Choose from a range of accidental medical, temporary total disability, and permanent total disability benefits.
- Legal Flexibility:
Gain more control over legal liabilities compared to traditional workers’ compensation.
Apply Online, Get Occupational Accident Coverage Tomorrow
As an independent owner-operator or professional driver, having occupational accident insurance is a necessity, not an option.
What sets Occ Acc Direct apart is the next-day availability of our plans. No lengthy waiting periods or complicated approval processes; you get the coverage you need, right when you need it.
Our plans offer truckers the legal coverage they need for accidental medical expenses, disability income, and accidental death and dismemberment. It’s immediate peace of mind, allowing you to focus solely on your driving responsibilities.
About Occ Acc Direct
Occ Acc Direct offers Crum & Forrester’s specialized occupational accident insurance to truck drivers through an online platform, catering to the unique risks associated with their profession.
The coverage is underwritten by Crum & Forrester, a reputable insurance carrier with a history dating back to 1822 and an AM Best rating of A.
Marketed by SASid insurance development, Occ Acc Direct serves as a consumer-friendly brand for this specialized commercial trucker driver occupational accident policy.
For billing and claims, the platform collaborates with InsuranceTPA.com, a specialized administration system for individual insurance policies.
- Accidental Dental Expense: Smile with confidence.
- Family Transportation: Keeping your loved ones close in times of need.
- Bereavement Benefit: Providing support when you need it most.
Specialized Coverage Options
- Accidental Medical: Up to $1,000,000 maximum benefit with a 104-week maximum benefit period.
- Temporary Total Disability: Weekly benefits ranging from $400 to $600.
- Permanent Total Disability: Maximum payment up to $1,000,000, payable to age 70.
Why is Occupational Accident Insurance Essential for Truckers?
The Employment Accident Insurance Act of 1948 laid the foundation for safeguarding employees against occupational hazards, including accidents. This legislation was later supplemented by the Factories Act of 1948, which guarantees compensation for workers who sustain injuries while performing their duties.
In 1972, the Employees’ State Insurance Act expanded the scope of occupational safety by introducing a comprehensive social security program for all employed individuals. This Act provides a range of benefits for workers who suffer injuries or fatalities during the course of their employment. These benefits include coverage for medical expenses arising from injuries or death, as well as compensation for any financial loss incurred due to such incidents. In the unfortunate event of an employee’s death, their dependents are eligible to receive these benefits, and any costs associated with the death are covered.
For truckers, occupational accident insurance is particularly vital. The nature of their work exposes them to a higher risk of accidents, making this form of insurance an essential safety net.
However, it’s important to be aware that this coverage comes with certain limitations. Specifically, the insurance does not provide benefits for:
- Incidents related to wars, whether declared or undeclared.
- Acts of unlawful violence, including terrorism and specific criminal activities.
- Medical issues arising from war, unlawful actions, or criminal activities.
- Treatment for pre-existing conditions or injuries.
By understanding these nuances, truckers can make informed decisions about their occupational accident insurance needs.
Who Can Apply?
Whether you’re a full-time, part-time, or temporary employee, or even involved in a student placement program, Occ Acc Direct has a plan for you.
Occupational Accident Insurance For Your Fleet Drivers
Understanding the differences between occupational accident insurance and workers’ compensation can help you make an informed decision. Here are some quick comparisons:
- Cost-Effectiveness: Occupational accident insurance is generally more affordable than workers’ compensation.
- Flexibility: You can choose the coverage amounts and deductibles that suit your needs.
- Legal Aspects: Unlike workers’ compensation, occupational accident insurance allows you more control over legal liabilities.