We offer Occupational Accident plans for owner-operators or drivers who are not required by law to purchase Workers’ Compensation coverage. Occupational Accident coverage protects drivers following a work-related injury. Coverage includes accidental medical expenses, temporary total disability, permanent total or continuous disability (Must qualify for and benefits are offset by Social Security disability benefits), accidental death and dismemberment, and non-occupational benefits. This is not Workers’ Compensation or Health insurance. Check with your corporate Workers’ Compensation carrier to ensure coverage meets audit specifications.