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Transportation Occupational Accident & Contingent Liability

ACE offers occupational accident insurance for truckers and other commercial drivers not required by law to be covered by workers’ compensation. The policy is designed for the transportation carrier seeking high quality occupational injury coverage and flexible plan designs that offer attractive cost savings and controls. At the option of the transportation carrier, ACE also offers contingent liability insurance providing comprehensive protection 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.


  • Experienced underwriting
  • Experienced claim 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.


  • Occupational Accident Coverage
    • Accidental death, dismemberment and paralysis benefits
    • Survivor benefits
    • Accident medical/dental expense benefits
    • Temporary total disability benefits
    • Permanent 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 ACE to review and approve the existing written owner-operators lease and/or service agreement, and meet ACE’s minimum occupational accident benefit limit requirements


  • 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

Restricted Classes

  • Logging/timber
  • Explosives, nitroglycerine, LP gas, ammonium nitrate
  • Nuclear waste

Client Profile

A transportation carrier that contracts with owner-operators who are not eligible for workers' compensation.