Owner Operator Trucking Program

Truck drivers provide an essential service to the American economy, covering millions of miles daily transporting goods and materials coast-to-coast. But, truckers face many risks along the way. With occupational accident insurance they can protect themselves and their families from the economic hardships following an occupational injury.

Truckers Occupational Accident Insurance provides benefits for eligible on-the-job accidents that owner-operators or contract drivers sustain while on dispatch with a motor carrier.

This program is being offered to the members of the NABS Association (or other approved associations) who are under a long-term lease agreement with a motor carrier.

Benefits under this program include:

  • Accidental Death Benefit
  • Accidental Dismemberment
  • Accident Medical Expense Benefit
  • Temporary Total Disability
  • Permanent Total Disability
  • Exposure & Disappearance
  • Optional Limited Non-Occupational Benefits

This product is available to owner/operators who reside in the following states:

Alabama
Alaska
Arizona
Arkansas
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho

Illinois
Indiana
Iowa
Kansas
Kentucky
Massachusetts
Mississippi
Missouri
Nebraska
New Jersey

Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Virginia
Wisconsin
Wyoming

 

 

 

 

 

 

 

 

 

 

Some benefits, provisions, limitations and exclusions listed herein may vary depending on state of residence.

Policy No. AC-23; Form # M-3036

Underwritten by Fidelity Security Life Insurance Company, Kansas City, MO
*Fidelity Security Life Insurance Company (FSL) has been rated A- (Excellent), based on an analysis of financial position and operating performance by A.M. Best Company, an independent analyst of the insurance industry. For the latest rating, access www.ambest.com.

Fidelity Security Life Insurance Company, 3130 Broadway, Kansas City, Missouri  64111. Domicile:  Missouri.  NAIC No. 71870.  Authorized to transact insurance in all states except New York.  Licensed to transact insurance business in California under certificate of authority number 3592.

Optional Coverage (available only through Certain Underwriters at Lloyds, London):

  • Contingent Indemnity
  • Employers Liability
  • Contingent Indemnity insurance helps cover motor carriers. Should an owner-operator seek legal employee status and they are deemed an employee by a court of competent jurisdiction they would be entitled to workers compensation benefits. The policy will pay the difference between the occupational accident benefits and the statutory workers compensation benefits.

    The Employers Liability policy will provide benefits equivalent to any employers' liability law when an owner-operator is granted employee status and sues for gross negligence.