Ideal Accounts and Appetite
This program is best suited for:
- Owner-operators and contract drivers in the trucking industry
- Small to mid-sized motor carriers with independent contractors
- Commercial vehicle operators looking to reduce liability exposure
You might have a client who operates a small fleet of long-haul trucks using independent drivers. This program can address their need for robust accident coverage and contingent liability protection without the complexity of full workers’ compensation plans.
Coverage Highlights and Advantages
- Accidental Death and Dismemberment
- Accident Medical Expense Benefits
- Temporary and Permanent Total Disability
- Coverage for Owner-Operators and Contract Drivers
- Contingent Liability option for employers
- Workers’ Compensation – Part One: Statutory Limits
- Employers Liability – Part Two: up to $1,000,000 in limits
Optional enhancements include Non-Occupational Accident and Passenger Accident Insurance, offering additional protection flexibility.
Underwriting Notes and Minimum Premiums
The minimum premium for this Occupational Accident Insurance program is $1,000. Trinity Risk uses a streamlined underwriting process supported by integrated technology to improve efficiency and reduce paperwork for agents and their clients. Submissions are evaluated on a case-by-case basis with a focus on independent contractor arrangements.
Territories and Availability
This program is available in all states where approved, including but not limited to: AL, AZ, AR, CA, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. Admitted and non-admitted options may be available depending on the state and risk profile.
Why Work With Crum & Forster and Trinity Risk
Trinity Risk brings proven expertise in the trucking and transportation sector, backed by the financial strength of Crum & Forster. Agents benefit from access to multiple carriers, competitive pricing structures, and responsive service. The program's flexible structure allows you to offer your clients meaningful solutions for occupational risk without the overhead of traditional workers’ compensation programs.
Contact Trinity Risk today for a Truckers Occupational Accident Insurance quote and help your clients stay protected on the road.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for owner-operators, small trucking fleets, and motor carriers using independent contractors or leased drivers.
Does the program include coverage for non-occupational accidents?
Yes, Non-Occupational Accident Insurance is available as an optional coverage enhancement.
Is there a minimum premium requirement?
Yes, the program requires a minimum premium of $1,000.
Which states is this program available in?
The program is offered in most states, including AL, CA, FL, TX, and many others. Availability may vary by state and coverage type.
Can I get coverage for passenger accidents?
Yes, Passenger Accident Insurance is available as an optional add-on under this program.
Need help placing an account? Connect with a market specialist.