Fleet or Individual Help


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 you get the protection you need, right when you need it.

Key Benefits

  • 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.

Apply Online

Choose your start date, as early as tomorrow.

Up To $1 Million In Accidental Medical Coverage

  • 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 Occ/Acc 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 protection 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 occupational accident policy.  For billing and claims, the platform collaborates with InsuranceTPA.com, a specialized administration system for individual insurance policies.

Occupational Accident Application

Streamlined online application and enrollment forms.

Call Now

Contact Greg: 815-341-4030
 Schedule an Appointment

Additional Benefits

  • 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 Do You Need Occupational Accident Insurance?

The Occupational Accident Insurance Act of 1948 was established to offer protection against work-related accidents. It was later complemented by the Factories Act of 1948, ensuring compensation for employees injured on the job.

In 1972, the introduction of the Employees’ State Insurance Act provided a broad social security scheme for all working individuals. This Act ensures benefits for employees who experience injuries or fatalities during their employment.

Such benefits encompass medical expenses due to injury or death and compensation for any loss resulting from these incidents. If an employee passes away, their dependents receive the benefits, and any expenses related to the death are covered.

However, the coverage has exceptions. It doesn’t cover medical care in situations like:

  • Wars or any related activities, declared or not.
  • Acts of lawless violence, including terrorism and certain criminal activities.
  • Medical conditions stemming from war, lawless actions, or criminal activities.
  • Care for pre-existing conditions or injuries.
Shop Online

Choose from multiple plan levels.

Call Now

Contact Greg: 815-341-4030
Schedule an Appointment

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.

Get Started Today

Don’t leave your safety and financial security to chance. Apply online now or call us at 815-341-4030 for personalized assistance.

Occ/Acc Coverage 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.

Fleet Owners Call
Greg Hellmich


Make An Appointment

Schedule a call with Greg

List Billing Available

Groups With Over 10 Drivers

Group Discount Rates

Over 40 Drivers

Health Plans For Truck Drivers

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