Occupational accident insurance is going to provide a lot of benefits that are similar to what you see with workers’ compensation, but it is an insurance that is designed for independent contractors and owner operators of commercial trucks. Since these professionals are not going to be placed on the payroll like employees, trucking companies will not need to pay for the same benefits that they would otherwise. If a trucking company decides to hire an independent contractor for a set of jobs and the contractor does get hurt when they are on the road, this is where this kind of truck insurance is going to be useful.

Even as an independent contractor, if you get hurt on the job, you will need help paying for some of your hospital bills. Having the insurance is going to provide you with some of the protection that you need. Even a small policy can help cover the bills and keep you protected while you work through with the company you are employed through to get the rest of the benefits that you need.

As you decide whether to get this kind of insurance or not, it is important to know some of the laws in your state. There are a few states where trucking companies will be allowed to cover some of their obligations for workers’ comp through an OCC policy, but some states will not require this. There are fine details that are dependent on the state you live in and you need to read through the regulations in your state to help you know what needs to be done.

For example, in Texas, the trucking companies will be more flexible about allowing for this kind of insurance in place of the workers’ compensation. However, in California, you will find that workers’ compensation is going to be very unaffordable and most motor carriers are going to need to use some of the funds they get out of the state to help with the coverage. Having the insurance in place, no matter which state you live in, will help keep you safe too.

If you drive as a professional truck driver, it is a good idea for you to look into occupational accident insurance for truckers to see if this is a good option for you. This type of insurance will protect you on the road, making sure that you and others are safe and you will not have to worry about losing your business or any other problems that come with an accident on the road. Take a look and see which options are available for your truck driving insurance.