Occupational Accident Insurance

Running a business has several responsibilities, such as providing employees with a productive and safe working environment. But despite the measures in place, workplace injuries can happen, leading to reduced productivity and lost wages. That's why companies like 1 Truck Insurance Services LLC exist to protect your company from the challenges that arise from such accidents. One way to do that is by getting occupational accident insurance. Do you know what it is and why it's important? Keep reading to find out.

What Is Occupational Accident Insurance?

This special type of coverage offers companies a practical way to protect workers by insuring them from accidents arising from work. Most people confuse it with workers' compensation insurance, but it differs slightly. It's ideal for certain companies and industries seeking to reduce expenses associated with job-related illnesses or accidents.

Unlike workers' compensation insurance, where you get statutory benefits, with this policy, you can make certain choices, such as

• The deductible to shoulder per accident
• The liability limit to carry per accident
• The level of death benefit and disability coverage to provide

You're responsible for any legal obligations to your employees not covered by the occupation accident insurance coverage. That's why it's vital to consult with our commercial trucking agents because the wrong coverage options can expose you to significant financial obligations you can't handle. Although this policy isn't mandatory, you may want to consider getting it, especially if you want to have some control in designing a policy that suits your needs or budget.

Does occupational accident insurance sound like a policy you need? Consult with the experts at 1 Truck Insurance Services LLC, serving businesses throughout the United States. We can help you identify the risks your business is exposed to and tailor a policy to suit your needs.