Occupational Accident coverage for trucking contractors helps protect your company and drivers. Contingent liability insurance helps protect your company from financial liability and litigation-related expenses while Occupational Accident coverage provides compensation when contractors or owner-operators are injured on the job. When your full workforce isn't eligible for workers' compensation, Occupational Accident coverage balances risk with optional AD&D coverage buy-downs and reimbursements for Self-Insured Retention (SIR) deductibles on catastrophic claims not covered by insurance plans. We also provide accidental death & dismemberment insurance and business travel accident insurance along with risk mitigation tools to help you manage your fleet.

Why Zurich Accident Insurance

  • Direct access to a highly experienced team that knows this business
  • Responsive in-house claims unit dedicated to Occupational Accident and Contingent Liability lines
  • Responsive underwriting
  • Easy and efficient administration
  • Zurich "A+/stable" rated by A.M. Best Company*

Accident & Health Insurance Benefits

Coverage is provided to all drivers the day you sign-up. 24-hour phone reporting and in-house claims give you direct access to Occupational Accident specialists who can answer all your questions. Benefits are delivered directly to drivers on behalf of your company for faster turnaround. Our monthly self-reporting system and integrated management tools help eliminate bills and paperwork for maximum efficiency.

Occupational Accident

  • Available to qualified drivers
  • Covers owner-operators and contract drivers
  • Accidental medical limits up to $1 million
  • Accident disability income coverage (Temporary Total Disability and Continuous Total Disability)
  • Accident death and dismemberment plus paralysis coverage
  • Nonoccupational benefit rider

Contingent Liability insurance

  • Available in most states
  • High limits available ($2 million up to statutory limit)
  • Defense costs covered
  • Accident disability income coverage (Temporary Total Disability and Continuous Total Disability)
  • Settlement/benefits may be paid directly to the claimant on behalf of the trucking company
  • Flexible premium options


*Ratings as of December 31, 2014. For the latest Best’s Ratings and Best’s Company Reports (which include Best’s Ratings), visit the A.M. Best website at www.ambest.com. The rating represents the overall financial status of the individual member companies of Zurich in North America, including Zurich American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of each issuing insurance company.

This is intended as a general description of certain types of insurance and services available to qualified customers through the Zurich American Insurance Company (1400 American Lane, Schaumburg, IL 60196, phone number 800-382-2150, NAIC # 16535, domiciled in New York) solely for informational purposes. Nothing herein should be construed as a solicitation, offer, advice, recommendation, or any other service with regard to any type of insurance product underwritten by Zurich American Insurance Company. Your policy is the contract that specifically and fully describes your coverage, terms and conditions. The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy. Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states.

Contact Us

Contact your broker or the Zurich A&H team.

Product Information