Workers Compensation Coverage Options

for independent contractors

OCCUPATIONAL ACCIDENT COVERAGE

Owner-operators and contract drivers who qualify as independent contractors are not typically covered by state Workers Compensation laws.

Occupational Accident (OCC/ACC) coverage provides insurance for independent contractors. It covers injuries sustained while performing the duties of their lease as a truck driver dispatched by a motor carrier. OCC/ACC can provide benefits for accidental death, dismemberment, and paralysis; accident disability; and accident medical expenses.

Drivers must meet specific criteria to be eligible, including being 23 or older, holding a CDL, having no felony convictions, and no DUI conviction in the last six years, among other criteria.

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ADDITIONAL COVERAGE

MONOLINE WORKERS COMPENSATION

Great West does offer the option of writing monoline workers compensation insurance. This may be an option in those cases where we are unable to write the commercial auto coverages or we write the workers compensation prior to writing the commercial auto. These policies follow all Great West Workers Compensation underwriting guidelines. For more information, discuss potential monoline coverage opportunities with your agent.

ADDITIONAL COVERAGE

Single-Unit Owner-Operator Policy

Single-Unit Owner-Operator policies are for trucking companies that utilize owner-operators. Underwriting guidelines require that the owner-operator must be leased to a motor carrier for which Great West writes both the workers compensation and Truck insurance. These policies are not portable; if an owner-operator breaks the lease, the policy will be canceled.