Small Fleet Truckers Occupational Accident Insurance — Crum & Forster
Crum & Forster’s Small Fleet Truckers Occupational Accident Insurance program is a turnkey market for agents placing occupational accident protection for owner-operators who are not subject to compulsory workers’ compensation. The program is designed specifically for trucking companies with 2 to 20 owner-operators and uses fixed benefit plans and class-based rates to streamline underwriting and quoting.
Overview of the Program From Crum & Forster
This program offers set benefit schedules, straightforward underwriting, and a centralized back-office: a Call Center handles driver enrollment, premium collection and routine policy administration so you and your broker team can place accounts with minimal paperwork. Contingent liability coverage is also available subject to underwriting review.
Ideal Accounts and Appetite
- Small trucking operations with 2–20 owner-operators.
- Owner-operators who are not required to purchase workers’ compensation in their state or by contract.
- Common-fit classes include local and regional freight, dry van, flatbed, and less-complex specialty haulers — provided loss history and exposures are acceptable.
Generally not a fit: large fleets (more than 20 owner-operators), heavily hazardous exposures or fleets with significant adverse loss histories. Accounts requiring bespoke benefit designs or complex retrospective rating typically are better suited elsewhere.
Coverage Highlights and Advantages
- No pre-existing condition limitation — simplifies intake for drivers.
- No “under dispatch,” “on duty,” or “actively at work” requirements — benefits respond more broadly to qualifying occupational accidents.
- No CDL requirement for driver eligibility.
- Disability benefits: temporary total/permanent total based on average payments, partial disability transition benefit, and permanent total disability benefits to age 70.
- Fixed benefit plans with set rates by trucking class — faster quoting and predictable pricing for small fleets.
- Optional contingent liability coverage available subject to underwriting approval.
- Administrative efficiency: enrollment and premium administration handled by a Call Center to reduce producer workload.
Underwriting Notes and Minimum Premiums
The program is administered by Crum & Forster as a managing general underwriter and placed through a limited set of carrier relationships. Underwriting focuses on fleet size, class, driver eligibility and prior loss history. The program uses fixed forms and rates to keep turn-around time fast. Minimum premium applies; current minimum premium is $1,000.
Territories and Availability
This program is available in the following jurisdictions: 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. Confirm state acceptance and any state-specific requirements with underwriting before submission.
Why Work With Crum & Forster on This Business
Crum & Forster’s program balances speed and specialization: designed for small trucking operations, it reduces producer admin burden through fixed plans and a centralized call-center enrollment process. If you place occupational accident for owner-operators, this market provides a practical, turn-key option that keeps submissions simple and issuance fast.
Example Account Scenarios
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You have a client with a five-truck dry-van operation made up entirely of owner-operators who are not required to carry workers’ compensation — this program can provide occupational accident benefits with standardized rates and simple enrollment.
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You represent a small regional flatbed outfit with eight owner-operators seeking occupational accident protection and contingent liability — the program can consider contingent liability on underwriting review while handling driver enrollment centrally for you.
Contingent Liability Insurance coverage and other supplemental options are available subject to underwriting review. Contact Trinity Risk for submissions and service under this program.