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Chubb Accident & Health offers occupational accident insurance for truckers and other commercial drivers not required by law to be covered by workers’ compensation. It’s designed for the transportation carrier seeking high quality occupational injury coverage and flexible plan. Chubb also offers contingent liability insurance for legal defense and reimbursement of workers’ compensation benefits if an owner-operator or contract driver seeks to recover as an employee of the trucking company.



Occupational Accident Insurance Coverage:

  • Accidental Death, Dismemberment and Paralysis benefits
  • Survivor benefits
  • Accident Medical/Dental Expense benefits
  • Temporary Total Disability benefits
  • Permanent Total Disability benefits
  • Non-occupational Accident benefits

Contingent Liability Coverage:

  • Workers’ compensation reimbursement benefits
  • Employers’ liability reimbursement benefits
  • Legal defense reimbursement

Minimum Requirements:

  • Occupational accident only minimum of $500/month with no less than three owner-operators
  • Occupational accident and contingent liability minimum of $800/month with no less than six owner-operators
  • Any transportation carrier request for contingent liability requires Chubb to review and approve the existing written owner-operators lease and/or service agreement, and meet Chubb’s minimum occupational accident benefit limit requirements


  • Occupational accident combined single limits up to $2 million per person
  • Occupational accident aggregate limit up to $4 million per accident
  • Contingent liability WC reimbursement benefits up to $2 million per person

Client Profile

A transportation carrier that contracts with owner-operators who are not eligible for workers’ compensation.

The Chubb Advantage

  • Experienced underwriting
  • Experienced claims administration – advance payment rider for disability
  • Surplus lines licensing via New Markets Agency
  • Financial Strength: Consistently high ratings from A.M. Best and Standard & Poor’s are an indication that we are financially strong and able to meet our obligations to our customers.