Occupational Accident (OCC/ACC) Insurance for Truck Drivers
In trucking, accidents happen—even to the most experienced drivers. When an injury occurs on the job, medical bills and lost wages can add up quickly. For owner-operators and independent contractors who aren’t covered by Workers’ Compensation, Occupational Accident Insurance (OCC/ACC) provides the protection they need.
At FleetGuard USA, we help truckers and fleets secure OCC/ACC coverage that keeps drivers protected and businesses compliant with contracts.
What Is Occupational Accident Insurance?
OCC/ACC coverage provides benefits for drivers who suffer accidental injuries, disability, or death while working. Unlike Workers’ Comp (which is required for employees in most states), OCC/ACC is typically optional coverage used for independent contractors or leased owner-operators.
Coverage may include:
Medical expenses related to on-the-job accidents
Disability benefits for temporary or permanent injuries
Death and survivor benefits for families
Accidental dismemberment coverage
Limited coverage for occupational disease (depending on policy)
Why Truckers Need OCC/ACC Coverage
Protect drivers without Workers’ Comp – Owner-operators and independent contractors often need OCC/ACC to avoid gaps in protection..
Meet contract requirements – Many motor carriers require leased drivers to carry OCC/ACC as part of their agreement.
Affordable alternative – Provides meaningful coverage at a lower cost than full Workers’ Comp.
Peace of mind – Ensures medical bills and lost wages are covered in case of an accident.
Protect Drivers. Protect Your Business.
Accidents don’t have to put your livelihood at risk. With Occupational Accident Insurance from FleetGuard USA, you can safeguard your drivers, meet contract requirements, and operate with confidence.
OCC/ACC vs. Workers’ Comp
It’s easy to confuse these coverages—here’s how they differ:
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Workers’ Compensation → Legally required for W-2 employees in most states. Covers workplace injuries, illnesses, lost wages, and medical care.
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Occupational Accident (OCC/ACC) → Optional coverage for independent contractors and leased owner-operators. Provides similar benefits but usually with lower policy limits and more exclusions.
In short: Workers’ Comp = mandatory employee coverage. OCC/ACC = optional but essential protection for non-employee drivers.
Who Should Consider OCC/ACC Coverage?
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Owner-Operators working under a motor carrier’s authority
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Independent Contractors leased to fleets or brokers
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Motor Carriers that use independent contractors and want to reduce liability exposure
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Fleets looking to protect drivers outside of Workers’ Comp requirements
Many truckers carry both to ensure full protection in every scenario.
Why Choose FleetGuard USA?
At FleetGuard USA, we understand the unique risks of the trucking industry and how to close coverage gaps. With us, you get:
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Competitive OCC/ACC policy options from top-rated insurers
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Coverage tailored to your drivers and operations
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Help navigating contract requirements and compliance
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The ability to bundle OCC/ACC with Primary Liability, Cargo, and other trucking coverages
FleetGuard USA provides reliable, customized insurance solutions for trucking companies and owner-operators across the nation. Our mission is to keep you protected on every mile, with coverage you can count on and service you can trust.
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Important Notice: This website provides only a general description of insurance coverages and services offered by FleetGuard USA. It is not a statement of contract. Coverage options, terms, conditions, and exclusions vary and may not be available in all states. For complete details, please refer to the actual policy documents, including all endorsements.
Coverage cannot be bound, amended, or altered through this website, email, or voicemail messages. All changes must be confirmed in writing by FleetGuard USA and are subject to carrier underwriting approval.
