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Occupational accident for trucking companies
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
Accident benefits for owner-operators when workers' comp doesn't cover them.
What it covers for trucking companies
An accident policy paying medical, disability, and death benefits to independent owner-operators who sit outside employee workers' comp. Some states bake it into the law: Kansas treats a leased single-truck owner-operator as a non-employee of the motor carrier only if covered by an occupational accident insurance policy. Trucking's leased owner-operator model can leave the person actually driving outside the carrier's workers' comp — this is the trade's standard fill for that gap.
Sources: Kansas Office of Revisor of Statutes — K.S.A. 44-503c (retrieved 2026-06-06)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for occupational accident, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the occupational accident benchmark for trucking companies — same URL, real numbers.
Until then, see what trucking companies need state by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · all states →
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