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Chubb Accident & Health offers occupational accident insurance for truckers and other commercial drivers not required by law to be covered by workers’ compensation. It’s designed for the transportation carrier seeking high quality occupational injury coverage and flexible plan. Chubb also offers contingent liability insurance for legal defense and reimbursement of workers’ compensation benefits if an owner-operator or contract driver seeks to recover as an employee of the trucking company.
Coverage
Highlights
Occupational Accident Insurance Coverage:
Accidental Death, Dismemberment and Paralysis benefits
Survivor benefits
Accident Medical/Dental Expense benefits
Temporary Total Disability benefits
Permanent Total Disability benefits
Non-occupational Accident benefits
Contingent Liability Coverage:
Workers’ compensation reimbursement benefits
Employers’ liability reimbursement benefits
Legal defense reimbursement
Minimum Requirements:
Occupational accident only minimum of $500/month with no less than three owner-operators
Occupational accident and contingent liability minimum of $800/month with no less than six owner-operators
Any transportation carrier request for contingent liability requires Chubb to review and approve the existing written owner-operators lease and/or service agreement, and meet Chubb’s minimum occupational accident benefit limit requirements
Limits:
Occupational accident combined single limits up to $2 million per person
Occupational accident aggregate limit up to $4 million per accident
Contingent liability WC reimbursement benefits up to $2 million per person
Client Profile
A transportation carrier that contracts with owner-operators who are not eligible for workers’ compensation.
The Chubb Advantage
Experienced underwriting
Experienced claims administration – advance payment rider for disability
Surplus lines licensing via New Markets Agency
Financial Strength: Consistently high ratings from A.M. Best and Standard & Poor’s are an indication that we are financially strong and able to meet our obligations to our customers.