Occupational Accident Insurance

Injury protection designed for owner-operators and independent contractors in the trucking industry.

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Built for Today’s Trucking Workforce

Not every operation fits a traditional workers’ compensation model.

Occupational accident insurance provides injury benefits for owner-operators and independent contractors who are not covered by workers’ compensation policies.

Owner-Operators

Independent drivers operating under their own authority.

Contracted Drivers

Drivers working under lease or contract arrangements.

Fleet Operators

Operations using a mix of employees and contractors.

What Occupational Accident Covers

Benefits designed to address on-the-job injuries without a workers’ compensation structure.

Accident Medical Benefits

Coverage for medical expenses related to covered workplace injuries.

Disability Benefits

Temporary or permanent disability benefits following an injury.

Accidental Death Benefits

Benefits paid to beneficiaries in the event of a fatal accident.

Survivor Benefits

Financial support for families after a covered loss.

24-Hour Coverage Options

Optional extensions beyond work-related activities.

Occupational Accident vs. Workers’ Compensation

Different tools for different workforce structures.

  • Designed for independent contractors, not employees
  • Defined benefit structure instead of statutory benefits
  • Greater flexibility in coverage design
  • Typically lower premium cost than workers’ compensation

Why Trucking Businesses Choose Salter Insurance

Industry experience matters when coverage structures are complex.

Trucking-Focused Expertise

Serving the transportation industry since 1993.

Carrier Access

Options from leading occupational accident providers.

Fast Certificates

Most certificate requests handled within minutes.

Complete Program Design

Coverage structured to complement your overall insurance program.

Getting Covered Doesn’t Have to Be Complicated

We help you choose the right structure for your operation.

1

Review Your Driver Structure

Employee vs. contractor classification.

2

Design Coverage

Benefits aligned with your risk profile.

3

Implement & Support

Certificates and ongoing service handled quickly.