The most important person in the trucking industry is the trucker since, without a driver, there could be no delivery, drop-offs, or relocation. However, there are a number of hazards and dangers that can jeopardize the health and safety of truckers that need to be addressed both through safety practices and comprehensive insurance coverage.
Exposing the Risks
There are accident liability concerns in every industry, and the proactive company will establish an occupational accident risk management plan to address them. Within the trucking industry, occupational accidents could include situations where the driver injured while loading the vehicles or while driving it. An OOC or ACC coverage for truckers can be written for contract semi drivers, owner-operators, or motor carrier fleets. The insurance can also be bundled with another coverage plan, filling in the gaps in driver protection. The insurance can help pay for the costs related to an injury:
- Medical expenses
- Disability payments
- Benefits paid out for accident death
Filling in the Gap
Workers’ compensation plans typically only address injuries that occur to employees. Many truck drivers work off contracts since they are independent owner operations. This situation would exclude you from coverage on the company’s workers’ comp plan. You may be able to purchase the coverage through your motor carrier, but if you can’t, you should speak to an agent about covering the gap in your insurance.