Occupational/Accident

Independent Contractor Occupational Accident Program

Motor Carriers and the independent owner-operators who contract with them face specialized financial risks. An accident can have a serious economic impact on an owner-operator and their family. At AETS we understand this and have developed a program that will provide financial security.

AETS provides Worker’s Compensation coverage to independent contractor drivers who are under permanent lease to a motor carrier. Worker’s Compensation coverage provides valuable benefits to drivers and their families by providing the broadest benefits available for work-related injuries.

These benefits are much broader than those provided by Occupational Accident policies. Worker’s Compensation provides virtually unlimited medical benefits as well as coverage for lost wages due to work-related injuries. All of the benefits that are provided by Workers Compensation are defined by state law and are not subject to insurance company policy limits unlike those in Occupational Accident policies.

Having Workers Compensation on your independent contractor drivers protects Motor Carriers and drivers by providing an additional arm’s length relationship. Motor Carriers are protected from any Workers Compensation claims from these independent contractors and from an audit by your corporate Workers Compensation insurance provider.

If you would like to receive a quote for Worker’s Compensation Insurance, please contact your local insurance professional or contact our sales representatives directly for a no-obligation quote at 877-918-7272.

  • Flat Monthly Rates
  • Flexible Benefits
  • Coverage to Age 75
  • Passenger Accident Coverage Available
  • Non-Occupational Accident Benefits
  • Provides much needed funds in the event of an accident while on the job
  • Available Options for Passenger Accident, Non-occupational Coverage.

Coverage Included for:

  • Hemorrhoids
  • Pre Existing Conditions
  • Chiropractic Services
  • Hernia
  • Occupational Disease
  • Cumulative Trauma Conditions
  • Paralysis

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