Trucking Occupational Accident

Providing independent contractors/owner-operators in the trucking industry with versatile coverage for work-related injuries.

The transportation industry fuels the economy, so proper on-the-job protection is paramount for the drivers who support it. Occupational accident insurance provides independent contractors/owner-operators (ineligible for workers’ compensation) versatile coverage for work-related injuries.

Amwins Specialty Casualty Solutions is a trusted expert in trucking occupational accident, combining our extensive workers’ compensation experience with our niche transportation knowledge to deliver a solution that is built to address today’s industry challenges. Coverage is provided through an A-XII rated carrier and claims and are managed by a trucking industry specialist. 

You can count on us for

  • Hands-on guidance for plan transitions
  • Blended program builds based on driver classification
  • First-class claims handling through Gallagher Bassett, including a dedicated claims adjustor to ensure consistency
  • Additional in-house claims resources
  • Transparency of coverage - no hidden exclusions
  • Quality coverage through an “A-“XII rated carrier

Coverage highlights include

  • Medical, disability, death and dismemberment benefits for accidents that occur on the job
  • Generous disability coverages that help drivers save on out-of-pocket costs
  • Flexible policies
  • Accounts of all sizes
  • Passenger accident and non-occupational coverages (select plans)
  • Customizable with add-on protection like:
    • Occupational disease
    • Hernia
    • Occupational cumulative trauma
    • Emergency evacuation

Additional coverages include

  • Contingent liability 
  • Workers’ compensation
Transportation risk profile  

  • Trucking (predominantly long-haul operations, including auto transport, moving and storage, flatbed haulers and refuse haulers)
  • Couriers and delivery (including Amazon and FedEX)
  • Bus companies
  • In business for at least three years
  • Satisfactory DOT rating
  • Full-time safety directory
  • Ineligible risks: Hazardous exposures, including chemical, gas + oil hauling
  • No more than 10% team drivers

Submission requirements

  • Completed application
  • Five years of currently valued loss runs
  • Lease agreement
  • Current enrolled drivers list, to include:
    • Driver count by state (resident and terminal state)
    • Date of birth
  • Historic enrollment
    • Benefit summary (if applicable)


 All States except NC, NV, NJ 

Contact Us

Nancy Timmons
Assistant Vice President
Amwins Specialty Casualty Solutions