Owner Operators / Independent Contractors

TAS Insurance offers Occupational Accident plans for owner-operators or independent contractors 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.

Contingent Liability

TAS Insurance provides this coverage in connection with Occupational Accident coverage to insure 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.

TAS Insurance provides physical damage coverage for the insured's vehicle for damage or loss resulting from a collision or specified peril.

Coverage limit is the greater of the outstanding financial obligation under a finance agreement (policy conditions must be met) or the lower of the stated value or actual cash value. Rating is applied per $100 of the stated amount value.

Choose from various deductibles.

Optional coverages available for an additional monthly premium include:

• Downtime/Rental Reimbursement
• Personal Effects/ Electronic Equipment
• Per Aggregate Deductible
• Diminishing Deductible
• Tarps, Chains & Binders
• Deductible Buy Back

TAS Insurance offers non-trucking liability which insures the liability of the owner-operator resulting from operations of the insured truck for personal use and convenience, outside the scope of the motor carrier's direction and control for no economic benefit to the owner-operator or motor carrier.

TAS Insurance offers passenger accident insurance to cover injuries sustained in accidents for eligible passengers whose names are on file with the motor carrier. Co-drivers, helpers, and employees of the owner-operator and/or motor carrier are excluded, as well as hitchhikers, stranded motorists, and passengers under five (5) years of age. Annual and monthly plans available.

TAS Insurance provides this coverage to insure the owner-operator for his/her statutory obligation to provide Workers’ Compensation and Employer’s Liability coverage for employees of the owner-operator for work related injuries. Coverage, benefits and rates vary by state. This does not cover the owner-operator or anyone who is an employee of the motor carrier. State minimums apply.