Insures the motor carrier for their obligations for benefits under Workers’ Compensation and Employer’s Liability should a court of competent jurisdiction rule that an owner-operator or contract driver is an employee of the insured motor carrier. Available to motor carriers with Occupational Accident coverage and at least ten (10) or more owner-operators. This coverage may be limited or unavailable in certain states. Motor carriers should check with their corporate Workers’ Compensation insurance carrier, as Occupational Accident with Contingent Liability may not be acceptable in all situations.