Occupational Accident Insurance,
for independent drivers.
Owner-operators and 1099 contract drivers aren't employees, so workers' comp doesn't cover them. Occ/acc does: accidental death and dismemberment, accident medical and disability benefits — with contingent liability included — on a monthly subscription you can start online in minutes.
- Monthly subscription, first month pro-rated
- AD&D, accident medical, disability benefits
- Contingent liability included
- Start online 24/7 — no agent phone tag
- Term
- Monthly, cancel anytime
- Premium
- Competitive premiums
- Benefits
- AD&D · Medical · TTD · PTD
- Includes
- Contingent liability
- Who
- 1099 owner-ops & contract drivers
- Age
- Under 70
What it is
What is occupational accident insurance?
Occupational accident (occ/acc) insurance pays benefits when an independent contractor driver is hurt on the job: accidental death and dismemberment, accident medical expenses, and temporary or permanent total disability. It exists because owner-operators and 1099 contract drivers are not employees and are not covered by a motor carrier's workers' compensation.
The CargoLabs occ/acc bundle pairs those benefits with contingent liability, which names the shipper and broker on a load as additional insureds for that load, and with membership in the Professional Association of Independent Contractors (PAIC). You buy it as a monthly subscription — first month pro-rated, renews monthly, cancel anytime — and complete the whole application online, including beneficiary details and electronic signature.
Why drivers and brokers use it
Contractors, not employees
Truckers and brokers work together to keep freight moving, but many aspects of that relationship look like employment. Occ/acc gives an independent driver real injury protection without an employer-employee arrangement.
Brokers worry about contractor liability
After high-profile misclassification lawsuits, brokers and carriers are cautious about the contractors they work with. Documented occ/acc coverage and PAIC membership support the driver's independent status.
Work with multiple brokers, independently
Coverage follows the driver, not the load. Independent drivers can work with multiple brokers and carriers with their own protection in place.
How it works
Occ/Acc coverage in three steps
From quote to certificate in minutes, not days. Everything is self-service.
Quote
Enter the trip, equipment or driver details. You get a price in seconds — no paper application, no phone call.
Bind
Pick the limit or term you need and pay online. Coverage is bound instantly for exactly that period.
Get certified
Your compliant certificate of insurance is emailed immediately, ready to forward to the broker, shipper or rental company.
Who it's for
Who buys occ/acc through CargoLabs
Independent drivers first — and the carriers and brokers who want their contractors covered.
Owner-operators
Class 1 owner-operators leased to a motor carrier and paid on a 1099. Enroll online with your DOB, beneficiary and status details.
See carrier coverageCo-drivers & contract drivers
Scheduled co-drivers, contract drivers of an owner-operator, and other independent contractors who are not W2 employees.
Brokers & motor carriers
Point your 1099 drivers to a self-service enrollment instead of chasing paper applications, and get contingent liability on the loads they haul for you.
See broker toolsCompare
Occ/acc vs. going without
For an independent driver there is no workers' comp fallback. This is the layer that stands in for it.
| Occ/acc with CargoLabs | No occupational coverage | |
|---|---|---|
| Accidental death & dismemberment benefit | Yes | No |
| Accident medical benefit | Yes | No |
| Temporary & permanent total disability | Yes | No |
| Contingent liability for the broker & shipper | Included | No |
| Enroll online, 24/7 | Yes | — |
| Commitment | Monthly, cancel anytime | — |
More per-trip coverage
Every coverage a load can require
The same quote → bind → certificate flow works across the CargoLabs product line.
Excess Single Trip Cargo Insurance
Raise your Motor Truck Cargo limit up to $1MM for one load. Excess over your annual policy, bought per trip.
Learn morePer-Trip Excess Auto Liability Insurance
Add $1MM or $2MM of excess auto and general liability above your $1MM primary — for one trip, not a whole year.
Learn moreShort-Term Truck Physical Damage Insurance
Daily physical damage for a rental, substitute or interchanged unit. Certificate with year, make, VIN and stated value — in minutes, 24/7.
Learn moreNon-Trucking Liability Insurance
Liability coverage for leased owner-operators when the truck is off dispatch — $1MM limit, ~$1/day per unit, start online.
Learn moreTrailer Interchange Insurance
Coverage for non-owned trailers in your possession under an interchange agreement. Dedicated per-trip product in development — daily physical damage on non-owned trailers available today.
Learn moreDouble Brokering Protection
Protection for freight brokers and carriers against losses from double-brokered loads. In development.
Learn moreFAQ
Occupational Accident Insurance for Owner-Operators, answered
- What is occupational accident insurance for truck drivers?
- It's accident coverage for independent contractor drivers who aren't eligible for workers' compensation. It pays accidental death and dismemberment, accident medical and disability benefits when the driver is injured while working.
- Who is eligible?
- Independent contractors paid on a 1099 — owner-operators, scheduled co-drivers, contract drivers of an owner-operator and other independent contractors — under age 70. W2 employees are not eligible, and applicants who are not residents of Maryland, North Carolina, New York, South Dakota or the US Virgin Islands.
- What does it cost?
- The public bundle is a $135 monthly premium (pro-rated for the first month) plus $5 monthly PAIC membership dues and $10 for the contingent liability component. Some agencies offer variants; the recurring price is shown at checkout before you subscribe.
- What is contingent liability and why is it bundled?
- Contingent liability designates the shipper and broker of a load as additional insureds for that load, for the time frame on the certificate. It's bundled because it's what brokers and carriers usually ask an independent driver to carry alongside occ/acc.
- What is PAIC?
- The Professional Association of Independent Contractors. Membership ($5/month) is part of the bundle and supports the driver's status as an independent contractor.
- Are there commodity or equipment exclusions?
- Yes. Drivers hauling in the oil & gas industry, liquids/gases, logs, livestock, oilfield equipment, autos, mobile homes/RVs, coal/coke, garbage/refuse, mining, nuclear or radioactive materials, or moving and storage are excluded, as are moving-and-storage straight trucks, auto haulers, taxi/limo/rideshare, courier, tow trucks and garbage trucks. You affirm these during enrollment.
- How does billing work?
- It's a monthly subscription. Coverage is provided only after a successful payment for the coverage dates, becomes effective on the start date you select, and renews monthly until you cancel.
- Can I enroll entirely online?
- Yes. Status and screening questions, beneficiary details, required affirmations and electronic signature are all completed in the CargoLabs flow, 24/7.
Driving on a 1099 without accident coverage?
Start an occupational accident subscription online in minutes. Monthly, cancel anytime, contingent liability included.