No workers comp to fall back on
Independent contractors are generally outside traditional workers comp, so a job injury can hit hard.
OCCUPATIONAL ACCIDENT · CONTRACTORS
Built for contractors.Protection on the job.
Occupational accident insurance protects independent contractors, like owner-operators and rideshare drivers, who get hurt on the job. We compare medical, disability and accidental death benefits to fit how you work.
Since 2004insuring Chicagoland
Benefits comparedmedical, disability, death
One officefor tax and insurance
Who it is for
Contractors are on their own.An injury stops the income.
Carrier contract requirements
Motor carriers often require leased owner-operators to carry occupational accident before dispatch.
Exclusions nobody pointed out
Off-duty injuries, non-occupational illness and some high-risk activities may be excluded.
Coverages
Compared for you.
Every policy is fitted to what you own and how you live or work, then reviewed with you each year.
Accident medical
Help with medical costs after a covered on-the-job accident, with limits that vary by plan.
Disability benefits
Income benefits with defined schedules and waiting periods, compared side by side.
Accidental death benefits
Defined benefits paid to your family after a fatal covered accident.
Exclusion review
We read the declarations page with you so off-duty and illness gaps are clear.
Carrier contract proof
Proof of coverage your motor carrier or broker asks for before dispatch.
Fleet and group options
Coverage for contractor fleets, and a comparison against any group program your carrier offers.
How it works
From first call to coverage.
- Step 1Share your contractYour motor carrier or platform agreement and any coverage it requires.
- Step 2We compare benefitsBenefit amounts, disability waiting periods and medical limits, side by side.
- Step 3You choose a planPick the plan that matches your work and driving patterns.
- Step 4We send proofWe provide the proof of coverage your carrier or broker needs.
The Ozfield difference
Your taxes are here too.So is your truck policy.
Most people use one company for taxes, another for books and a third for insurance. With Ozfield, one team sees it all, so nothing gets lost between offices.
TruckingOwner-operators get coverage, bookkeeping and tax help from one office.RideshareDrivers get coverage questions and self-employment tax answered together.Trucking insurancePair occupational accident with the rest of your trucking program.Workers compensationHiring W-2 drivers? We help you set up traditional workers comp.
Mr. Orkun and his team are very professional. I highly recommend this place for insurance and tax returns.
FAQs
Good questions.
Something else on your mind? Call 773-536-9272 and our office will walk you through it.
Who needs occupational accident insurance?
Independent contractors such as leased owner-operators and rideshare drivers who want protection if they are hurt on the job. Many motor carriers require it in their lease contracts.
How is it different from workers compensation?
Workers compensation typically applies to W-2 employees. Occupational accident is built for independent contractors, and its benefits follow a schedule set by the policy.
Does it cover injuries off duty?
Many plans exclude off-duty injuries and non-occupational illness. We review the declarations page with you so you know exactly where coverage stops.
My motor carrier offers a group program. Should I use it?
Some carriers offer group programs. We compare benefit amounts, waiting periods and limits against your own policy options so you can decide.
Protect your income on the job.
Send us your contract requirements and we will compare occupational accident plans for you.