Occupational Accident for Hot Shot Truckers
Occupational accident insurance is the workers\u2019 comp substitute for independent owner-operators. It pays your medical bills, disability income, and accidental death benefits when you\u2019re injured on the job — without requiring employer-employee status.
What it covers
- Medical expense coverage for on-the-job injuries — hospital, surgery, rehab
- Temporary total disability income when you can\u2019t drive
- Permanent total disability benefits for catastrophic injuries
- Accidental death and dismemberment benefits
- Continuous total disability coverage for extended recovery periods
- Coverage while loading, unloading, securing freight, and operating your vehicle
Who it's for
- Independent owner-operators excluded from state workers\u2019 compensation
- Hot shot truckers who are sole proprietors or single-member LLCs
- Owner-operators required by their motor carrier lease to carry occupational accident
- Truckers who can\u2019t afford to lose income during a recovery period
Why CCA
- We explain occupational accident vs. workers\u2019 comp clearly — most truckers are confused
- Benefit limits matched to your income level so disability payments actually replace earnings
- Most motor carrier leases require occupational accident — we satisfy that requirement
- Bundled with your full trucking program for one-stop coverage management
Common questions about occupational accident
No. Workers\u2019 compensation is a state-regulated employer benefit. As an independent contractor, you likely don\u2019t qualify. Occupational accident is a private insurance product that provides similar medical and disability benefits without requiring employer-employee status.
If you\u2019re classified as an independent contractor (as most leased owner-operators are), you\u2019re not covered by your motor carrier\u2019s workers\u2019 comp. You need your own occupational accident policy.
Benefit amounts vary by policy, but typically range from $500 to $1,000 per week for temporary disability. We can help you choose a benefit level that replaces a meaningful portion of your operating income during a recovery.
Yes. Contractors Choice Agency is licensed in all 50 states and actively writes hot shot trucking programs nationwide. Your agent can write your policy regardless of where you\u2019re based or which states you operate in.
Contact your carrier\u2019s claims department directly using the number on your policy documents, or call us at 844-967-5247 and we\u2019ll assist with the process. We aim to acknowledge all claim contacts within 2 hours during business hours.
Many of our carrier partners offer monthly payment plans, sometimes with a small finance charge. We\u2019ll present payment options when you review your quote so you can choose what works for your cash flow.
NPN 8608479 is the National Producer Number for Contractors Choice Agency — our license identifier with state insurance departments. You can verify our license at the NIPR website using this number.
Call or email us anytime. Mid-term changes — adding a trailer, updating cargo limits, or adding a driver — are processed quickly and we\u2019ll issue updated certificates the same day in most cases.
We work with multiple A-rated commercial trucking carriers and select the best fit for your operation, driving record, and cargo type. We\u2019re not captive agents — we shop the market on your behalf.
Contractors Choice Agency is located at 12220 E Riggs Road, Suite #105, Chandler, AZ 85249. We serve clients nationally by phone and email.
Our agents are available Monday through Friday, 8am to 5pm Mountain Standard Time. You can also submit quote requests online at any time and we\u2019ll respond the next business day.
Yes. Once your policy is bound, we issue your certificate of insurance immediately. Most carriers also provide digital policy documents same-day.
We work with carriers who specialize in non-standard and high-risk trucking accounts. A poor MVR or prior loss history will affect your premium, but we have markets for most situations. Be upfront about your record when requesting a quote.
Yes. Trucks under 26,001 lbs GVWR don\u2019t require a CDL in most states, and many hot shot operators run legally without one. We write programs for both CDL and non-CDL carriers.
Property damage liability (part of your auto liability) covers damage you cause to someone else\u2019s property with your truck. Cargo coverage protects the freight you\u2019re hauling — a different exposure entirely. Both are essential for a complete hot shot program.
If you\u2019re hauling for compensation across state lines, you need an MC number. Intrastate carriers may only need a USDOT number depending on the state. We can help you determine the right authority type for your operation.
Yes. We can pair your trucking program with business owner\u2019s policy (BOP), umbrella, or occupational accident coverage. Bundling can simplify renewals and sometimes reduce overall premium.
Pair it with related coverage
Get a Hot Shot Insurance Quote
FMCSA filings, cargo, and physical damage — quoted fast and bound same-day.