Occupational Insurance
Thursday, 22 September 2011
Truckers Occupational Accident Insurance

http://associationbenefits.tripod.com/aba/id17.html

Occupational accident insurance is a similar service to workers compensation insurance, but it is important to know that the two are by no means interchangeable.

Workers compensation insurance is mandated by law in many areas throughout the United States, and strict compliance is demanded legally. Contact one of our specialists if you need a free consultation to differentiate the two services.

Occupational accident insurance is used to cover workers that are independent contractors and not full time employees. The coverage amounts and incidents covered by occupational accident insurance can vary greatly from workers compensation insurance.

Occupational accident insurance is generally not a legal shield from accident-related lawsuits to businesses as workers compensation insurance can be.

Any independent trucker that contracts out other drivers or any fleet or motor carrier that leases independent owner/operators consistently may need some type of occupational accident insurance for a well-rounded commercial truck insurance policy.

Motor carriers who contract with independent owner-operators expose themselves to a multitude of risks when they do not sponsor insurance programs for their owner-operators. Owner-operators are generally excluded from a motor carrier’s Workers’ Compensation policy, and individual Workers’ Compensation coverage is often too expensive or unavailable. A serious accident could leave motor carriers liable for losses. Truckers Occupational Accident Insurance enables motor carriers to offer their qualified owner-operators insurance coverage.

 

Why Select Our Truckers Occupational Accident Insurance?

Value to Motor Carriers:

·        Covers motor carriers from possible loss in the event of a serious owner-operator accident.

·        Offers an excellent benefit to attract and retain dependable truckers.

·        Eliminates complicated administration by offering owner-operators the opportunity to pay premiums through contract or leasing fees. 

 

Value to the Owner-Operators:

·        Provides truckers and families with coverage for losses, including medical expenses and disability, that may follow accidents.

·        Provides benefits directly to drivers or their survivors.

 

Key Program Attributes

Includes the following primary benefits:
* Accidental Death Benefit 
* Accidental Dismemberment Benefit
* Accident Medical Expense Benefit
* Temporary Total Disability 
* Continuous Total Disability

 

Customizes coverage to include optional benefits that address the wide range of truckers’ risks: Paralysis, Passenger Accidents, Felonious Assaults, Severe Burns, and others.

 

Who Should Consider Truckers Occupational Accident Insurance?
Any motor carrier that relies on independent owner-operators.

 

Check out the plan offered at ABA

Motor carriers who contract with independent owner-operators expose themselves to a multitude of risks when they do not sponsor insurance programs for their owner-operators. Owner-operators are generally excluded from a motor carrier’s Workers’ Compensation policy, and individual Workers’ Compensation coverage is often too expensive or unavailable. A serious accident could leave motor carriers liable for losses. Truckers Occupational Accident Insurance enables motor carriers to offer their qualified owner-operators insurance coverage.

 

Why Select Our Truckers Occupational Accident Insurance?

Value to Motor Carriers:

·        Covers motor carriers from possible loss in the event of a serious owner-operator accident.

·        Offers an excellent benefit to attract and retain dependable truckers.

·        Eliminates complicated administration by offering owner-operators the opportunity to pay premiums through contract or leasing fees. 

 

Value to the Owner-Operators:

·        Provides truckers and families with coverage for losses, including medical expenses and disability, that may follow accidents.

·        Provides benefits directly to drivers or their survivors.

 

Key Program Attributes

Includes the following primary benefits:
* Accidental Death Benefit 
* Accidental Dismemberment Benefit
* Accident Medical Expense Benefit
* Temporary Total Disability 
* Continuous Total Disability

 

Customizes coverage to include optional benefits that address the wide range of truckers’ risks: Paralysis, Passenger Accidents, Felonious Assaults, Severe Burns, and others.

 

Who Should Consider Truckers Occupational Accident Insurance?
Any motor carrier that relies on independent owner-operators.

Check out the plan offered at ABA.

Motor carriers who contract with independent owner-operators expose themselves to a multitude of risks when they do not sponsor insurance programs for their owner-operators. Owner-operators are generally excluded from a motor carrier’s Workers’ Compensation policy, and individual Workers’ Compensation coverage is often too expensive or unavailable. A serious accident could leave motor carriers liable for losses. Truckers Occupational Accident Insurance enables motor carriers to offer their qualified owner-operators insurance coverage.

 

Why Select Our Truckers Occupational Accident Insurance?

Value to Motor Carriers:

·        Covers motor carriers from possible loss in the event of a serious owner-operator accident.

·        Offers an excellent benefit to attract and retain dependable truckers.

·        Eliminates complicated administration by offering owner-operators the opportunity to pay premiums through contract or leasing fees. 

 

Value to the Owner-Operators:

·        Provides truckers and families with coverage for losses, including medical expenses and disability, that may follow accidents.

·        Provides benefits directly to drivers or their survivors.

 

Key Program Attributes

Includes the following primary benefits:
* Accidental Death Benefit 
* Accidental Dismemberment Benefit
* Accident Medical Expense Benefit
* Temporary Total Disability 
* Continuous Total Disability

 

Customizes coverage to include optional benefits that address the wide range of truckers’ risks: Paralysis, Passenger Accidents, Felonious Assaults, Severe Burns, and others.

 

Who Should Consider Truckers Occupational Accident Insurance?
Any motor carrier that relies on independent owner-operators.

 

Association Benefits of America L.L.C.

Call us At: 480-471-3836

http://associationbenefits.tripod.com/aba/id17.html


Posted by associationbenefits at 12:54 PM EDT
Updated: Monday, 26 September 2011 3:30 PM EDT

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