What it covers
Cover built around independent operators
We help owner-operators and the businesses that contract them understand what occupational accident coverage does, how benefits are specified, and where it differs from workers’ compensation.
Key considerations
What occupational accident coverage is built to address
Benefit structures vary considerably between policies. These are the points that matter most when comparing them.
Specified Benefits
Coverage can be structured around specified accident-related benefits.
Eligibility Varies
Eligibility and benefit structures vary by policy.
Not Workers’ Compensation
This coverage should not be represented as identical to workers’ compensation. The two serve different purposes and are governed differently.
Who It May Suit
Eligible owner-operators and independent contractors whose operations qualify for the selected coverage.
How we approach it
How we approach occupational accident cover
We work through eligibility first, then the benefit schedule itself, so the protection you buy is understood in plain terms before anything is bound.
This page is educational and should not be used to interpret the insurance contract. Coverage is subject to the actual policy, endorsements, limits, conditions and exclusions.
