Helping Protect Businesses and Independent Contractors

Occupational Accident insurance for truckers and more classes

When work-related injuries result in lost wages, Occupational Accident insurance can help fill the gap. All Risks offers coverage through an A.M. Best “A XII” rated carrier with zero deductibles and competitive monthly premiums. Occupational Accident insurance helps to cover independent contractors who are injured on-the-job. Coverage can help pay for medical bills, death benefits and replace certain lost wages. Businesses who purchase Occupational Accident insurance can protect themselves from expensive lawsuits from independent contractors seeking medical benefits. Limits in coverage allow employers to manage costs and independent contractors can get the peace of mind that they are protected. Protect your clients’ business and the independent contractors they use with Occupational Accident insurance by contacting an All Risks specialist today.


  • 48-hour turnaround on quotes with full submissions
  • Competitive commissions
  • Limited distribution carrier
  • WC options may be available (depending on risk characteristics and states required)

States Available

  • Nationwide excluding: Monopolistic States (ND, OH, WA, WY)
  • The following states are also prohibited (CO, NY, NC, OK, SC, WV)
Submit a Risk
  • Behavioral healthcare
  • Consulting
  • Courier / Delivery
  • Home care services
  • Office related services
  • Landscape
  • Oil / Gas
  • Professional services
  • Technology
  • Trucking
  • And many more


  • Accidental Death and Dismemberment
  • Accidental Medical Expense Benefit
  • Continuous / Temporary Total Disability Benefit
  • Non-Occupational Accident Benefits
  • Paralysis Benefit
  • Contingent Liability

*Occupational Accident Insurance is not Workers’ Compensation coverage and is not a substitute for Workers’ Compensation coverage. This product is a Group Policy and requires a minimum of five Lives or Drivers.

  • The insured must be a policyholder of the All Risks Occupational Accident with Contingent Liability Program
    – Must have at least 2 Full-Time Employees to be considered
    – Occ/Acc must carry $1M limits
    – Contingent Liability must carry $1M limits
    – Both must be in place
  • All 1099 contractors must be enrolled in the Occ/Acc program. If so, they will not be picked up on the WC audit.

* Auto/Vehicle repair classes can be considered on a case-by-case basis only.
**Risks with W2 drivers on payroll are not eligible for the WC part of the program.

  • Supplemental Application
  • 5 Years Currently Valued Loss Runs
  • Independent Contractor – Owner Operator Census
  • Complete Description of Insured Operations
  • Target Pricing
  • Copy of Sub-Contractor Agreement

Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

Year in Review

Good stuff is worth sharing! Check out All Risks' 2018 highlights.

Press Release-New Classes added to Occupational Accident

Product All Risks expands classes through an A.M. Best "A" XII rated carrier on admitted and non-admitted paper.

Top 5 Reasons to Partner with All Risks

Discover why All Risks is the preferred wholesale partner.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.


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