Occupational Accident
Occupational Accident
Independent contractors are vital to our economy, accounting for more than 7% of the U.S. workforce.
Unlike payroll employees, independent contractors are ineligible for workers’ compensation. Without proper insurance coverage, these millions of workers are at risk, as are their employers. Occupational accident insurance exists to provide independent contractors and owner-operators versatile coverage for work-related injuries.
With Amwins Specialty Casualty Solutions’ Occupational Accident insurance program, there’s coverage to fit every need and budget. Decide which option is best for your client:
Advantage: | Essentials: |
Broad coverage solution to give you a strategic advantage in the market. |
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Especially available through Amwins Specialty Casualty Solutions…
We offer workers’ compensation to cover non-leased drivers, including company drivers, clerical staff, mechanics, and company owners. A coordinated program combining workers’ compensation, occupational accident insurance and contingent liability can help address coverage gaps between employees and independent contractors and provide a more streamlined approach to claims handling and audit.
Target Classes
- Healthcare, including:
- Medical staffing agencies
- Home health providers
- Healthcare entities with 1099 professionals
- Construction, including:
- Artisan contractors (residential & commercial)
- Subcontractors (i.e. - janitorial, window washers, driveway sealing)
- Tradespeople (i.e. - tree services, landscapers)
- Transportation, including:
- Trucking
- Couriers & delivery
- Bus companies
Coverages
- AD&D
- Accident medical expense reimbursement
- Temporary and permanent total disability benefits
- Contingent liability
- Optional non-occupational or 24-hour coverage, where permitted
- Customizable add-on protection with OccAcc Advantage:
- Occupational disease
- Occupational cumulative trauma
- Hernia
- Emergency evacuation
Submission requirements
- Completed application
- Five years of currently valued loss runs
- Contractor agreement
- Current enrolled drivers list, to include: (if applicable)
- Driver count by state (resident and terminal state)
- Date of birth
- Historic enrollment
- Benefit summary (if applicable)
Availability
- All states except NC, NV and NJ (if corporation)
