What is occupational accident insurance?
Truck drivers based in Massachusetts are exposed to substantial risk of injury, as injuries can occur when driving, loading, unloading or otherwise working with cargo. To help protect against potential injuries and their associated costs, drivers may need occupational accident insurance.
Occupational accident insurance is specialized protection against job-related injuries. Policies are often used to cover owner-operators who work as truck drivers.
Who in Massachusetts need to have occupational accident coverage?
Owner-operator truckers usually purchase occupational accident coverage, as they normally don’t benefit from any workers compensation protection. Any self-employed Massachusetts driver might want this coverage.
Self-employed contractors occasionally might also purchase a policy, although contractors get this insurance much less frequently than drivers do. Contractors who’d like to explore this insurance option can speak with an agent who specializes in occupational accident policies.
Can occupational accident coverage be a substitute for workers compensation?
In other states that don’t require employers to carry workers compensation, occupational accident coverage might sometimes be used as a substitute for workers compensation.
Massachusetts generally requires employers to carry workers compensation for any employees who need to be covered. Occupational accident coverage normally isn’t a suitable substitute in the state.