Occupational accident insurance

Why it matters to you

Owner-operators classed as independent contractors often sit outside the employee workers'-comp system. Occupational accident fills part of that gap — but unlike workers' comp, benefits stop at the limits you bought, so what's covered depends on the policy you chose.

Where you’ll see it

In trucking lease agreements — motor carriers commonly require owner-operators to carry it, or to buy into the carrier's plan, before dispatch.

Related terms

• Workers' compensation insurance