Occupational Accident Insurance in Massachusetts

What coverages are included in occupational accident policies?

Unlike workers compensation, which follows strict state requirements, occupational accident policies let owner-operators to customize their policy’s protections. There can be several protections to consider when setting up a policy:

• Liability Coverage: Potentially covers injuries and property damage for which an owner-operator is responsible.
• Medical Expense Coverage: Potentially covers medical expenses resulting from owner-operator injuries during an accident.
• Chiropractic Benefit: Potentially expands medical expense coverage to include chiropractic treatment.
• Passenger Accident Benefit: Potentially extends specific coverages to passengers in the operator’s truck.
• Temporary Total Disability Coverage: Potentially provides income protection if an owner-operator temporarily can’t work due to injuries.
• Permanent Total Disability Coverage: Potentially provides income protection if an owner-operator permanently can’t work due to injuries.
• Accidental Death & Dismemberment Coverage: Potentially provides financial support to the operator’s family if an owner-operator tragically dies in a vehicle accident.

These coverages typically apply only to incidents directly caused by a workplace accident, which is most often a vehicle accident but can be some other incident. An injury sustained while strapping down or inspecting equipment would likely be covered, but anything not related to work duties is unlikely to fall within a policy’s terms.