Next Day Occupational Accident Coverage

Key Benefits for Contract Drivers

• 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.

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.

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 treatments arising from injuries or death, as well as compensation for any financial loss incurred due to such incidents, such as being unable to work.

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.
• Health care treatment for pre-existing conditions or injuries.

By understanding these nuances, truckers can make informed decisions about their occupational accident insurance needs.