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Transportation Risk Services
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Transportation Risk Services
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Owner Operator Occupational Accident Insurance

Managed and Underwritten by TRS, on A+ Admitted paper, our Agency Master policy allows TRS to provide Occupational & Non Occupational Benefits to Owner Operators.  Intended for Owner Operators under the age of 70, ranging from 1 life up to 25, at a competitive monthly rate. 
 
Benefits Include:
 
Description of Benefits Occupational         
Non-Occupational
Accidental Death & Dismemberment
Max Benefit Amount
 $250,000 Principal Sum
 $15,000 Principal Sum
Survivor's Benefit (lump sum)
(($50,000 Accidental Death)+
$2,000 per month 
up to 100 months)
 $15,000 Lump Sum
 Incurral Period
  52 Weeks
  52 Weeks
Accidental Dismemberment - including
Paralysis and Severe Burn Benefit
  Included in Principal Sum
  Included in Principal Sum



 Accidental Medical Expense
$1,000,000 Maximum 
Benefit Amount
 $10,000 Maximum Benefit Amount
 Commencement Period
  90 Days
  90 Days
 Deductible  $0  $0
Incurral Period
 104 Weeks
 52 Weeks



Accidental Dental Maximum
Benefit Amount
$1,000 Per Injury;
$10,000 Lifetime
Not Covered
Chiropractic Care, Occupational
Therapy, Physical Therapy
No Sub-Limit Applies
 No Sub-Limit Applies



Temporary Total Disability
*$500 Max/$200 Min
Per Week
Not Covered
Waiting Period 7 Days Retroactive
Commencement Period
 90 Days
Duration-Maximum Benefit Period
104 Weeks
*Subject to lesser of; 70% of
Avg Weekly Earnings or the
Max Weekly Benefit Amount
Shown
Additional Benefit Riders:

Hernia or Hemorrhoid or
Occupational Disease or Cumulative
Trauma
$7,500 Per Injury Subject to 
a $15,000 Lifetime Max
Max Benefit Period:10 weeks

Pre-Existing Condition
Max Benefit Amount:
$10,000 (Applicable to
Accident Medical & Temporary Total Disability)



Certificate Combined Single Limit Any One Accident & Aggregate
 $1,000,000



 **Social Security Retirement Age (SSRA) will vary depending upon the Owner-Operator's date of birth.  IF the Owner Operator reaches his/her SSRA before satisfying the waiting period, he/she may not qualify for Continuous Total Disability Benefits.
 
TRANSPORTATION RISK SERVICES PROVIDES OWNER OPERATOR OCCUPATIONAL ACCIDENT PLANS FOR A WIDE VARIETY OF RISK SIZES AND EXPOSURES.  PLEASE BE SURE TO LOOK AT OUR OTHER STOREFRONTS OR CALL IF YOU DO NOT SEE THE PROPER OWNER OPERATOR OCCUPATIONAL ACCIDENT PLAN FOR THE INSURED.
 
 
 
Transportation Risk Services (www.trsinsurance.com) is a leading transportation MGA and wholesale broker serving client’s countrywide. TRS specializes in the placement of local, intermediate, long-haul and public automobile risks for retail insurance agents and brokers through its program and broking facilities. Located in Barrington, IL, TRS offers a broad range of solutions that includes, but not limited to, Auto Liability, General Liability, Physical Damage, Cargo, Garage, Contractor’s Equipment, Warehouse Legal Liability, Umbrella and Occupational Accident/Contingent Liability.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    A+
  • Commission:
    10%
  • Min Premium:
    1 individual

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CONTACT INFORMATION

LOCATION

1300 S. Grove Ave , 102
Barrington, IL 60010
847-387-6545
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